Mobile money usage and continuance intention among micro enterprises in an emerging market – the mediating role of agent credibility

Odoom, Raphael; Kosiba, John Paul

doi:10.1108/jsit-03-2019-0062

Cited by 49 publications

(44 citation statements)

References 66 publications

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“…The regression analysis test results obtained a regression coefficient of 0.546, which means that every change in perceived ease of use will also increase the intention to use e-wallet by 0.546, assuming other variables are constant. Perceived usefulness influences by 5,193. This result indicates that the intention of STMIK ROSMA information system study program students to use ewallet is influenced by the ease, need, and use of transactions that are considered more efficient.…”

Section: Statistical T-testmentioning

confidence: 99%

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Perceived Usefulness, Perceived Ease of Use, and Social Influence: Intention to Use e-Wallet

Effendy¹,

Hurriyati²,

Hendrayati³

2021

Proceedings of the 5th Global Conference on Business, Management and Entrepreneurship (GCBME 2020)

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Research on the acceptance of the use of information technology often uses the Technology Acceptance Model (TAM) and the Unified Theories of Acceptance and Use of Technology (UTAUT) model, which provide an excellent theoretical basis for understanding consumer intentions to use non-cash payment transactions. Non-cash payment methods used in this study were e-wallets such as OVO, Go-Pay, T-cash, and others. This study combined these two theoretical models mentioned above and aimed at determining the effect of perceived usefulness, perceived ease of use, and social influence on the intention to use e-wallets. The survey was conducted involving STMIK Rosma Karawang students in the information system study program (2019-2020) with a population of 160 students. Samples taken by purposive sampling obtained 137 respondents. The analysis technique used was multiple linear regression using SPSS V23. The results showed a positive and significant influence on perceived usefulness and perceived ease of use on intention. However, it turned out that social influence did not have a significant effect. This study's results serve as a guideline or reference for companies developing e-wallet applications in the future. The company expects to make a more comfortable and easier to use applications and always be consistent in providing users.

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Section: Statistical T-testmentioning

confidence: 99%

“…Besides, the emergence of cashless society is a designation that refers to people who do not use physical money in transactions, but through digital financial information transfer [5], [6] In daily transactions, people do not use real money, but digital money.…”

Section: Introductionmentioning

confidence: 99%

Perceived Usefulness, Perceived Ease of Use, and Social Influence: Intention to Use e-Wallet

Effendy¹,

Hurriyati²,

Hendrayati³

2021

Proceedings of the 5th Global Conference on Business, Management and Entrepreneurship (GCBME 2020)

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“…The number of active registered accounts increased from about 11 million in 2017 to about 13 million in 2018 (Bank of Ghana, 2018). Odoom and Kosiba (2020) have argued that 75% of mobile money operators in Ghana have rolled out mobile money payment services. These operators are competitively innovating their services to promote customer retention.…”

Section: Introductionmentioning

confidence: 99%

Effect of gratification on user attitude and continuance use of mobile payment services: a developing country context

Alhassan

Kolog

Boateng

2020

JSIT

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Purpose This study aims to investigate the gratifications driving the attitude and continuance use of mobile payment services in developing country context, such as Ghana. Also, the moderating effect of income and education on gratifications and attitude of users is explored. Design/methodology/approach Data was collected from conveniently sampled 361 users of mobile payment services in Ghana. A questionnaire, which mainly contains five-point Likert scale questions, was used to collect the data. The study adopted the Uses and Gratification (U&G) theory, where income and education were used as moderating factors. The data was analysed with SmartPLS for Structural Equation Modelling. Findings Among the other factors from the U&G theory, integrative, ease of use and usefulness gratifications were found to significantly influence attitude towards the use of mobile payment services in Ghana. In addition to this finding, user attitude significantly influences the continuance use intention of mobile payment services. Furthermore, the study revealed various effects of the moderating factors. These findings suggest that promoting mobile payment technology inclusiveness by creating a favourable environment would enhance the use of mobile payment services in Ghana. Research limitations/implications Given that this study was conducted in Ghana, a developing country, it is difficult to generalize the results to encompass the developed economies. In future, similar research should compare the developed and developing economies by considering culture as a moderating effect. Practical implications This study intends to provide information on the gratifications that drive the attitude and continuance use of mobile payment services in Ghana. The findings seek to augment mobile money service providers’ capabilities by providing them with an understanding of user gratification experience on mobile payment services. Additionally, the study will serve as a guide to policymakers in the government, telecommunication companies and mobile banking providers, to improve customer intimacy and gratification through their user behaviour. Originality/value Previous studies on user gratification have primarily focussed on the functional benefits derived from mobile payments and how they influence the service’s adoption. This study has contributed to literature by considering both the functional and non-functional benefits of mobile payment in developing country context. To the best of the authors’ knowledge, this study is the first to consider income and education as moderating variables to study the gratification levels of mobile payment users in Ghana and among few in Africa.

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“…Mobile Payment is a revolutionary form of financial transaction that offers convenience and interactivity (Mouakket, 2020). The term "mobile payment" refers to using an electronic channel using mobile devices to pay for bills, goods, and services (Odoom & Kosiba, 2020). Also, mobile payment was described as "the use of mobile devices to initiate, approve, and confirm the exchange of financial value in trade for any payment for goods and services" (Kumar, et al, 2020;.…”

Section: Mobile Paymentmentioning

confidence: 99%

“…As a result, more businesses are shifting their payment strategies to the internet and mobile commerce (Kumar, et al, 2020). Several key advantages of mobile payment over traditional payment systems have been discussed in the literature, including their quietness and immediacy, which enable customers to use it from anywhere in the world at any time (Odoom & Kosiba 2020;Mouakket 2020 ;. In emerging economies, the current situation is favorable for growth, and mobile payment is continuing.…”

Section: Mobile Paymentmentioning

confidence: 99%

Provoking Mobile Payment Actual Usage Behaviour in Middle East

JosephNg¹,

Eaw²,

Musallam³

2021

Preprint

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Financial Payment has evolved into mobile payment for easy access and convenience. Despite the benefits of mobile payment, the adoption rate is unsatisfactory worldwide. Therefore, understanding the customer's adoption intention factors is essential for both researchers and practitioners. This study examines mobile payment intention and actual use by adapting the integrated framework, which combines the Mobile Technology Acceptance Model and the Theory of Planned Behaviour with additional new constructs found to be related. The new model consists of 12 variables moderated by the individual's experience and is examined via a structured PLS equation mixed-mode methodology. Knowing mobile payment influence will shape the industry strategic decision and socially contribute to transforming society into a cashless society. This paper provides an opportunity to prove the relationship between technology variables and human behaviour concerning mobile payment adoption. In contrast, this study novelty adopted an integrated model that combines MTAM with the TPB.

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Mobile money usage and continuance intention among micro enterprises in an emerging market – the mediating role of agent credibility

Cited by 49 publications

References 66 publications

Perceived Usefulness, Perceived Ease of Use, and Social Influence: Intention to Use e-Wallet

Perceived Usefulness, Perceived Ease of Use, and Social Influence: Intention to Use e-Wallet

Effect of gratification on user attitude and continuance use of mobile payment services: a developing country context

Provoking Mobile Payment Actual Usage Behaviour in Middle East

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