How digital payment apps may contribute to the adoption of e-commerce among brazilians
: a study on the barriers and motivations for adoption

  • Luísa Martins Fanzeres (Student)

Student thesis: Master's Thesis


With the growth of the e-commerce industry in Brazil, companies have started to invest in new technologies in order to create more user-friendly interfaces. The COVID-19 pandemic has boosted the digital payment industry, and more and more, new consumers are attracted by the e-wallet conveniences every day. This study tests the concept of e-wallets applications contributing to the adoption of e-commerce among Brazilians. In this sense, the barriers and motivations of the present business were studied. Data was collected and 275 valid responses obtained. The Spearman's Correlation and Logit Regression was performed. The first one to measure correlations between variables and the second one to study the causality effects between the dependent and independent variables. Thus, being able to validate hypothesis. Findings suggest that the intention to transact has a significant correlation with perceived usefulness, perceived ease of use and trust, meanwhile, trust has significant correlation with perceived risk of e-wallets. However, regression tests reveal perceived ease of use and usefulness as the only significant motivations that influence the effects on users´ future intentions. Moreover the study support the potential contribution of e wallet to the adoption of e-commerce among Brazilians pointing out usefulness and easiness as the key elements to be worked out by managers.
Date of Award5 May 2021
Original languageEnglish
Awarding Institution
  • Universidade Católica Portuguesa
SupervisorDaniela Langaro (Supervisor)


  • E-commerce
  • Brazil
  • E-wallets
  • Payment methods
  • Intention to transact
  • Perceived ease of use
  • Perceived usefulness
  • Trust
  • Perceived risk of e-wallets


  • Mestrado em Gestão

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