Electronic Journal of Information Systems in Developing Countries, volume 86, issue 2

A model for mobile money services adoption by traders in Uganda

Publication typeJournal Article
Publication date2019-11-22
scimago Q3
wos Q2
SJR0.441
CiteScore3.6
Impact factor1.1
ISSN16814835
Information Systems
Upadhyay P., Jahanyan S.
Internet Research scimago Q1 wos Q1
2016-02-01 citations by CoLab: 102 Abstract  
Purpose – This study makes an integrated approach in identifying the factors affecting usage intention of mobile-based payment services. Such services are being marketed aggressively by cellular service providers and are different from usual mobile-based banking. The study incorporates prominent factors like the technical characteristics, technology-specific characteristics, user-specific characteristics, and task-specific characteristics and others from published literature. The purpose of this paper is to highlight those factors which have significant impact on the adoption of such service so that the adoption rate can be increased. Design/methodology/approach – A nationwide primary survey was conducted using validated questionnaire requesting response for the factors obtained from published literature. In total, 196 respondents participated in the survey. Totally, 11 hypotheses were formulated and statistically tested for their significance in context to the study. Confirmatory study was on the significant factors and a model has been proposed. Findings – The study finds that factors like perceived usefulness, perceived ease of use, system quality, connectivity, discomfort, task-technology fit and structural assurance have significant impact on the usage intention of mobile money services whereas factors such as perceived monetary value, absorptive capacity and personal innovativeness have been found to be insignificant. Originality/value – There have been no studies conducted which reported mobile-based transfer payment adoption issues where-in the transfer mechanism is independent of formal banking. The findings would be beneficial for service providers of mobile-based payment services to understand their subscribers and roll out value added services.
Wang Y., Wu M., Wang H.
2009-01-01 citations by CoLab: 639 Abstract  
With the proliferation of mobile computing technology, mobile learning (m-learning) will play a vital role in the rapidly growing electronic learning market. M-learning is the delivery of learning to students anytime and anywhere through the use of wireless Internet and mobile devices. However, acceptance of m-learning by individuals is critical to the successful implementation of m-learning systems.Thus, there is a need to research the factors that affect user intention to use m-learning. Based on the unified theory of acceptance and use of technology (UTAUT), which integrates elements across eight models of information technology use, this study was to investigate the determinants of m-learning acceptance and to discover if there exist either age or gender differences in the acceptance of m-learning, or both. Data collected from 330 respondents inTaiwan were tested against the research model using the structural equation modelling approach. The results indicate that performance expectancy, effort expectancy, social influence, perceived playfulness, and self-management of learning were all significant determinants of behavioural intention to use m-learning. We also found that age differences moderate the effects of effort expectancy and social influence on m-learning use intention, and that gender differences moderate the effects of social influence and self-management of learning on m-learning use intention.These findings provide several important implications for m-learning acceptance, in terms of both research and practice.
Dahlberg T., Mallat N., Ondrus J., Zmijewska A.
2008-06-01 citations by CoLab: 479 Abstract  
The mobile payment services markets are currently under transition with a history of numerous tried and failed solutions, and a future of promising but yet uncertain possibilities with potential new technology innovations. At this point of the development, we take a look at the current state of the mobile payment services market from a literature review perspective. We review prior literature on mobile payments, analyze the various factors that impact mobile payment services markets, and suggest directions for future research in this still emerging field. To facilitate the analysis of literature, we propose a framework of four contingency and five competitive force factors, and organize the mobile payment research under the proposed framework. Consumer perspective of mobile payments as well as technical security and trust are best covered by contemporary research. The impacts of social and cultural factors on mobile payments, as well as comparisons between mobile and traditional payment services are entirely uninvestigated issues. Most of the factors outlined by the framework have been addressed by exploratory and early phase studies.
Kim D.J., Ferrin D.L., Rao H.R.
Decision Support Systems scimago Q1 wos Q1
2008-01-01 citations by CoLab: 1941 Abstract  
Are trust and risk important in consumers' electronic commerce purchasing decisions? What are the antecedents of trust and risk in this context? How do trust and risk affect an Internet consumer's purchasing decision? To answer these questions, we i) develop a theoretical framework describing the trust-based decision-making process a consumer uses when making a purchase from a given site, ii) test the proposed model using a Structural Equation Modeling technique on Internet consumer purchasing behavior data collected via a Web survey, and iii) consider the implications of the model. The results of the study show that Internet consumers' trust and perceived risk have strong impacts on their purchasing decisions. Consumer disposition to trust, reputation, privacy concerns, security concerns, the information quality of the Website, and the company's reputation, have strong effects on Internet consumers' trust in the Website. Interestingly, the presence of a third-party seal did not strongly influence consumers' trust.
Baah-Peprah P., Nyarko S.A., Flåten B., Naatu F., Serwaah P.
2024-09-30 citations by CoLab: 0 Abstract  
Mobile money (MoMo) services have become an integral part of the banking system in developing countries. Research is needed to understand the implications of taxing this financial technology sector and inform public policy. The current MoMo tax literature is limited by its focus on personal factors while neglecting institutional factors. The present study develops an integrated model of individuals’ attitudes toward MoMo tax payments and their intentions to use MoMo services while paying related MoMo taxes. To test the model, we analyze survey data collected from 892 participants across 16 regions of Ghana using structural equation modeling. Our findings indicate that perceived trust in government and perceived tax burden are significant determinants of attitudes toward MoMo tax payment, while perceived tax burden is influenced by perceived trust in government. Similarly, perceived tax burden mediates the effect of perceived trust in government on attitudes toward MoMo tax payments. Furthermore, the perceived usefulness of MoMo services is determined by perceived ease of use of MoMo services, whereas MoMo services use/tax payment intentions are determined by perceived trust in government, attitudes toward MoMo tax payments, and perceived usefulness of MoMo services. Finally, perceived usefulness of MoMo services mediates the effects of perceived ease of use on MoMo services and MoMo service use/tax payment intentions. We discuss explanations for these findings and provide practical, theoretical, and research implications.
Balakrishnan V., Eesan M.L.
2024-04-26 citations by CoLab: 1 PDF Abstract  
AbstractWhile a body of knowledge on contactless payment acceptance exists, a comprehensive understanding of the core motivations underpinning such acceptance, particularly in developing countries, is lacking in the literature. This study identified the predictors for contactless payment acceptance in Malaysia by constructing a Contactless Payment Acceptance model using the Technology Readiness Index 2.0 and the Unified Theory of Acceptance and Use of Technology 2 models. Employing a cross-sectional research design, this study utilized survey research as its primary method, administered self-reporting questionnaires through online channels, and garnered 434 valid responses. Structured Equation Modeling identified perceived usefulness, perceived ease of use, lack of awareness, and discomfort as the most influential factors affecting customers’ acceptance of contactless payment systems, with an R-squared value of 71.2%. These results have implications for service providers and can guide future research endeavors, thus facilitating the development and implementation of effective strategies to encourage wider adoption of contactless payment systems among individuals in developing countries.
Ofosu‐Ampong K.
Engineering Reports scimago Q2 wos Q3 Open Access
2024-02-16 citations by CoLab: 1 PDF Abstract  
AbstractThe transition from traditional to digital payment platforms is reshaping domestic revenue mobilization, with significant impacts on sectors like agriculture, health, business, education and economy. This transition, while presenting both challenges and opportunities, has the potential to foster economic growth and boost revenue mobilization. This paper investigates how digital taxation or electronic levy (e‐levy) has shaped mobile money (MoMo) adoption in Ghana since the introduction of e‐levy on digital financial transactions. The underlying theories supporting this study include the Technology Acceptance Model (TAM), Social Norm Theory (SNT), and Expectancy‐Confirmation Theory (ECT). A cross‐sectional design was employed, and data was collected from 206 participants (mobile network subscribers) through a self‐administered online survey conducted and applied a partial least square structural equation modeling technique. The findings indicate that inherent innovativeness, the structure of the tax, and social tax compliance norms significantly influence citizens' compliance attitudes towards e‐levy in the context of a developing country. Conversely, the study found that potential taxpayers' attitudes towards e‐levy do not determine their intention to pay (actual use) e‐levy. In this respect, recommendations to drive the digital taxation agenda among government revenue agencies in developing countries are (i) continuous inherent innovativeness on the part of the government, (ii) ensuring compliance attitudes towards e‐levy, (iii) proper structuring of the tax components and (iv) ensuring ease of use of the system. These findings provide governments and revenue agencies, particularly those in developing countries, with valuable insights into citizens' behavioral change towards digital taxation on MoMo transactions. An effective convergence of the determinants discussed in this research would expedite government mobilization efforts for electronic levies and promote development.
Siddika A., Sarwar A.
2023-11-13 citations by CoLab: 3 Abstract  
Purpose This study aims to investigate the factors contributing to the low adoption rate of mobile money services (MMS) in the Middle East and North Africa (MENA) region compared to other regions. The study focussed on socio-demographic factors and macro-level determinants in several selected MENA and Sub-Saharan African (SSA) regions where MMS have been successful. Design/methodology/approach This study analysed 23 countries across MENA and SSA to establish the correlation between socio and macroeconomic factors and MMS adoption using a quantitative approach. The analysis used the generalized least square (GLS) method. Findings The study revealed that gender and income are factors that positively influence the adoption of MMS in MENA and SSA regions. Additionally, the study found that the affordability index, which measures macroeconomic indicators, correlates with MMS adoption in both regions but in an inversed way. On the other hand, political stability appears to have a positive correlation with MMS adoption in the MENA region. The correlation between the regulatory index and MMS adoption positively impacts the entire study group, although it is insignificant in the SSA region. Research limitations/implications Future studies should assess market competition among MMS providers and the psychological aspect of user adoption behaviour. Additionally, conducting a focus group discussion with stakeholders in the MMS industry can assist in uncovering potential factors contributing to low MMS adoption in the MENA region. Originality/value This study contributes to understanding the role of the socio-demographic and macroeconomic determinants in promoting digital transformation through adopting MMS.
Kante M., Ndayizigamiye P.
2023-03-17 citations by CoLab: 2 Abstract  
While the use of theories and models in Information and Communication Technology for Development (ICT4D) is important and has been studied, the scope of these theories has not been sufficiently researched. With the aid of systematic mapping, this study provides an overview of the research on ICT4D adoption in developing countries to determine the research gaps and trends in the theories used. The study presents research published in ICT4D journals between 2015 and 2019. The results indicate that the understanding of the conceptualisation of the constructs of the theories used in ICT4D research remains sparse. In addition, the statistical techniques (Regression, Partial Least Squares Structural Equation Modeling, amongst others) used to assess the constructs in the selected studies may need more scrutiny. The study recommends that further studies be conducted using other qualitative methods of inquiry to identify any gaps that could have been missed.
Ekow Kelly A., Palaniappan S.
Cogent Social Sciences scimago Q2 wos Q2 Open Access
2022-10-27 citations by CoLab: 3 PDF
Twum K.K., Kosiba J.P., Hinson R.E., Gabrah A.Y., Assabil E.N.
2022-01-12 citations by CoLab: 15 Abstract  
Mobile money service is a major retail financial service provided by telecommunication firms and formal banking institutions in many countries in Sub-Saharan Africa. The increased patronage of mobile money services demands that telecommunication firms enhance the quality-of-service delivery they offer in order to stay competitive. The purpose of this paper is to investigate the service quality factors that influence customer satisfaction and continuance usage of mobile money services. Data were collected from 494 users of mobile money services. Using structural equation modeling, this study tested hypotheses on the effect of service quality variables on customer satisfaction and continuance usage of mobile money services. The findings indicate that the availability of services, facilities, and security influence customer satisfaction, whereas the expertise of the service provider, the operator’s network system, and responsiveness influence continued use of mobile money services. The findings of this study will assist mobile money service providers and policymakers in planning services that will increase customer satisfaction and retention. The study contributes to identifying service quality constructs that influence customer satisfaction and continuance usage in the mobile money context.
Le X.C.
2021-11-29 citations by CoLab: 16 Abstract  
PurposeThe research purpose is to explore the diffusion of mobile QR-code payment (MQP) in a coronavirus disease (COVID-19) context by formulating a behavioral response model based on an integration between protection motivation theory (PMT) and unified theory of acceptance and use of technology (UTAUT). This study also investigates the importance of physical distancing norm for behavioral intention toward MQP.Design/methodology/approachA web-based survey was designed and data were accumulated from 411 validated respondents who have used MQP or tend to utilize it in Vietnam. Statistical analysis was conducted using SPSS and AMOS to verify the hypotheses.FindingsResults illustrated that behavioral intention is motivated by key antecedents of PMT (including perceived severity, perceived susceptibility and self-efficacy) and important factors of UTAUT (including performance expectancy, effort expectancy and social influence), and physical distancing norm. Moreover, perceived severity promotes performance expectancy, whereas self-efficacy boosts effort expectancy in MQP. Lastly, behavioral intention and recommendation were indicators of the diffusion of MQP under COVID-19.Practical implicationsMQP is just in its infant stage in Vietnam; thus, the findings provide managerial implications, which will aid service providers and firms to adopt marketing strategies that enhance consumers' acceptability and recommendation of MQP to the public.Originality/valueLittle is empirically considered the effects of perceived threat-related factors in PMT and physical distancing norm on behavioral intention toward MQP in a salient pandemic setting. Furthermore, the antecedents in UTAUT contribute greatly to behavioral intention. This study enlightens the diffusion of MQP based on behavioral intention and recommendation.
Mishra V., Walsh I., Srivastava A.
2021-09-27 citations by CoLab: 28
Coulibaly S.S.
Financial Innovation scimago Q1 wos Q1 Open Access
2021-04-12 citations by CoLab: 14 PDF Abstract  
According to the 2017 Global Financial Inclusion (Global Findex) database, the average penetration rate of mobile money accounts in East Africa is higher than that of the WAEMU. This study attempts to understand the factors driving the adoption and the use of mobile financial services in the WAEMU compared to East Africa. To achieve this, micro-level data from the 2017 Global Findex database are used to perform probit and multinomial logit estimations. The findings reveal that the same determinants influence the adoption and use of mobile money accounts across the populations of both groups of countries, specifically those related to the least vulnerable social categories (i.e., males, older, more educated, richer and part of the workforce). Therefore, in comparison to East Africa, the delay in the penetration of mobile money accounts observed in the WAEMU may be attributed to insufficient policies for increasing the awareness of the benefits of mobile financial services. The study recommends that governments in WAEMU countries promote the use of mobile money accounts among the working-age population (adults aged between 25 and 64) through the improvement of individual income level, and the introduction of incentives into the education system to encourage their population to attain higher levels of education.
Kante M., Kante M.
Understanding the stakeholders of mobile money services and systems in developing countries remain critical issues that need to be addressed. Using the Stakeholder Theory, along with the Diffusion of Innovation Theory and Unified Theory of Acceptance and Use of Technology, this study gathered data from 110 respondents to contribute to the understanding of the mobile money (Orange Money) stakeholders in Mali. The results characterized the stakeholders of the mobile money system and revealed that each stakeholder has its unique drivers and challenges towards the adoption of the mobile money system. These findings suggest that specific attention should be paid to each stakeholder by the mobile money operator in developing countries.
Senyo P., Osabutey E.L., Seny Kan K.A.
2020-11-23 citations by CoLab: 19 Abstract  
PurposeThe purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.Design/methodology/approachThe study used 294 survey responses from mobile money users in Ghana. The data were analysed using fuzzy set qualitative comparative analysis (fsQCA).FindingsThe findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.Practical implicationsManagers and financial service organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.Originality/valueThe study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise the unified theory of acceptance and use of technology (UTAUT) in fsQCA to extend the mobile money literature.

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