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Adoption of Digital Data Wallets: UTAUT2 Encounters Privacy Calculus
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| 2 MB | Adobe PDF |
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Orientador(es)
Resumo(s)
Headlines about data leaks, stolen identities, and privacy breaches are no rarity, providing an
opportunity for decentralized identity management systems to gain increasing attention. The
underlying solution involve digital data wallets (DDWs), which allow users to verify themselves for
various services by securely storing their own data - from university certificates to ID cards to health
records. Accordingly, it is critical to understand what factors influence the expected use of DDWs along
with the extent to which privacy concerns affect their adoption. Therefore, this study provides a
holistic approach by proposing a model consisting of variables from the unified theory of acceptance
and use of technology (UTAUT2) as well as variables from the privacy calculus model fused into a
distinct model. The model was estimated using the partial least squares method and survey data from
400 respondents. It revealed that perceived benefits as well as perceived value play a vital role in the
expected use of DDWs. Contrarily, perceived risks were found to influence perceived value, but not
expected use. Overall, the model resulted in 11 out of 18 hypotheses being supported. These results
help to understand how users will adopt DDWs and are important in encouraging citizens to engage
with this new technology.
Descrição
Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Knowledge Management and Business Intelligence
Palavras-chave
Digital Data Wallet Adoption Acceptance UTAUT2 Privacy calculus SDG 17 - Partnerships for the goals