EXPLORING DIGITAL WALLET CONTINUANCE: INSTRUMENT DEVELOPMENT BASED ON TASK-TECHNOLOGY FIT THEORY AND PRIVACY CALCULUS THEORY

With the growing adoption of digital wallets, increasing attention has been directed toward the challenges associated with their continued use, particularly regarding security and user privacy. This study extends prior research by integrating concerns related to technology fit and privacy through the lens of Task-Technology Fit (TTF) Theory and Privacy Calculus Theory, which serve as the study’s theoretical foundations. To address emerging factors influencing the sustained use of digital wallets, new constructs have been proposed. The measurement instruments employed in this study consist of both adapted items from existing literature and newly developed items tailored to the proposed constructs. The development process included expert evaluations to ensure content validity, involving five Information Systems scholars who assessed the relevance and clarity of the items. A pilot test was conducted involving 38 university students who participated through an online survey. Validity and reliability testing were conducted using SPSS software. Results from validity and reliability analyses demonstrate robust measurement properties, indicating that the items effectively capture the intended constructs. A subsequent pilot test further confirmed the appropriateness of the instruments for use in future empirical research.