This research examines individuals’ feasibility of adopting digital wallet also known as ‘eWallet.’ It aims at assessing the technological readiness among customers especially youth by measuring the acceptance level of digital wallet adoption in a massive implementation of the digital economy. Adoption of eWallet can potentially enhance the efficiency of financial institutions and the provision of new services for the convenience of the customers. The nature of this study was developed in the context of South East Asia focusing on Brunei Darussalam. The study using a framework for assessment based on the unified theory of acceptance and use of technology model revealed that the main construct of the model to be predictors of behavioral intention, was attitude towards using technology and anxiety. These results might be as a result of the millennial generation being in constant interaction with various types of technology, paired with the rising Internet connectivity leading to the minimal impact of the digital wallet adoption.

这项研究检查了个人采用数字钱包（也称为“电子钱包”）的可行性。它旨在通过在数字经济的大规模实施中衡量数字钱包采用的接受程度，来评估客户（尤其是年轻人）的技术准备程度。采用电子钱包可以潜在地提高金融机构的效率，并为客户提供方便的新服务。这项研究的性质是在以文莱达鲁萨兰国为重点的东南亚背景下发展起来的。使用基于接受和使用技术模型的统一理论进行评估的框架进行的研究表明，作为预测行为意图的模型的主要结构是对技术和焦虑的态度。