Electronic Wallet Usage and Financial Management Among Employees in a State University
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Abstract
This study investigated the complex relationship between the adoption of Electronic Wallet (E-Wallet) technology and the resulting financial management practices of employees in a state univerisity. The study assessed the extent of this digital shift among employees and analyze the level of financial management. It made use of descriptive-correlational research to test the significant relationship between e-wallet usage and financial management. The findings revealed a high level of e-wallet usage, primarily driven by the robust perceived convenience and accessibility of digital transactions, which aligns strongly with predictions from the Technology Acceptance Model (TAM). Further, the employees demonstrated a generally high level of disciplined financial management, suggesting a strong baseline of financial literacy operating within the digital ecosystem. Moreover, a statistically significant, positive, and moderate relationship was found between the overall level of digital wallet usage and the respondents' financial management. However, because the strength of the correlation is moderate, the findings suggest that digital platforms are not the sole determinants of financial health. This implies that deeper background variables, such as personal self-discipline, steady income streams, and financial education, remain essential components of an individual's overall fiscal well-being, highlighting the need for targeted interventions to translate daily e-wallet usage into long-term strategic financial management.
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