Exploring consumer intentions to use the M-pesa financial service: a comparative study of low-income communities in Kenya and South Africa

Abstract Recent times have witnessed increasing availability of mobile technology-based products/services in developing regions such as Africa. However, the extant literature has not traditionally focused on understanding the adoption and use of these technologies by consumers in these parts of the world. This gap cannot be ignored and the need to investigate consumer intention to use mobile based-technology in this region is becoming paramount to their successful implementation. One such mobile-based technology is the M-pesa financial service. The current study merged appropriate theories that could predict consumer intention to use this M-pesa service in two African countries, Kenya and South Africa. First, the two countries were compared in an attempt to provide an explanation of why the launch of the M-pesa service has been more successful in Kenya than in South Africa. It then examined the effects of the Technology Acceptance Model variables (perceived usefulness and perceived ease of use), subjective norm from the Theory of Reasoned Action, self efficacy from the Social Cognitive Theory, and six dimensions of Switching Costs, on consumers intention to use M-pesa. To measure the study’s variables, validated scales from the IS literature, social psychology literature, and economics literature were identified and adopted. Data were collected using paper based survey instruments from individuals residing in low-income communities in Kenya (N=265) and South Africa (N=150), thus a total of 415 responses. The results indicate there are correlations between all variables and intention to use, however, only perceived usefulness, perceived ease of use, and subjective norms have a direct influence on intention to use M-pesa. The model explained 33.1% of the variance in intention to use M-pesa. The results suggest that while switching costs do not have a direct influence on intention to use, some of their effects are mediated in predicting intention to use. Thus, this study has paved the way for future testing and enhancement of the study’s model. The study’s contribution to theory and practice are also presented

Exploration of location-based services adoption

As mobile technologies become more ubiquitous in the general population, it is reasonable to assume that individuals will consume services and software to enhance their aspirations and entertainment desires. This paper discusses a controlled experiment to explore aspects of user perceptions of their use of location-based services. This study examines a location-based service prototype experiment and analysis based on the UTAUT model. The results show significant indicators that suggest behavior patterns of early adopters of location-based services are being observed. We discuss these influences and attempt to explain their significance. Moreover, more curiously we discuss why some of our model was unsupported and postulate why

Developing a model of the behavioural intentions of older adults towards internet service providers : a UK perspective

Copyright and all rights therein are retained by the authors. All persons copying this information are expected to adhere to the terms and conditions invoked by each author's copyright. These works may not be re-posted without the explicit permission of the copyright holdersCountries around the globe have an ageing population that faces problems such as cognition, memory and visual difficulties. Mobile devices and products are part of daily life and to utilise them the role of internet service providers is essential. This research-in-progress paper aims to identify and evaluate factors that influence the older population’s (over 50 years) selection of an internet service provider (ISP) as well as their continuous intention and behaviour to remain with the ISP. The outcomes of this research study are aimed at policymakers, academia and industryFinal Published versio

Does Your Boss Know Where You Are? Predicting Adoption of LBS in the Workplace

To date there has been no tested model to predict uptake of LBS services in a real world setting. The leading theoretical contribution to our understanding of attitudes and behaviour towards LBS comes from Junglas & Spitzmüller (2005). They hypothesised that intentions to use LBS would be influenced by technology characteristics, task characteristics, personality type, perceived privacy, perceived usefulness, trust and perceived risk. We developed a questionnaire to test and refine their model with a UK employed population

Factors influencing students' acceptance of m-learning: An investigation in higher education

M-learning will play an increasingly significant role in the development of teaching and learning methods for higher education. However, the successful implementation of m-learning in higher education will be based on users' acceptance of this technology. Thus, the purpose of this paper is to study the factors that affect university students' intentions to accept m-learning. Based on the unified theory of acceptance and use of technology (UTAUT) (Venkatesh et al., 2003), this study proposes a model to identify the factors that influence the acceptance of m-learning in higher education and to investigate if prior experience of mobile devices affects the acceptance of m-learning. A structural equation model was used to analyse the data collected from 174 participants. The results indicate that performance expectancy, effort expectancy, influence of lecturers, quality of service, and personal innovativeness were all significant factors that affect behavioural intention to use m-learning. Prior experience of mobile devices was also found to moderate the effect of these constructs on behavioural intention. The results of this research extend the UTAUT in the context of m-learning acceptance by adding quality of service and personal innovativeness to the structure of UTAUT and provide practitioners and educators with useful guidelines for designing a successful m-learning system

The intention to use mobile digital library technology: A focus group study in the United Arab Emirates

IGI Global (“IGI”) granted Brunel University London the permission to archive this article in BURA (http://bura.brunel.ac.uk).This paper presents a qualitative study on student adoption of mobile library technology in a developing world context. The findings support the applicability of a number of existing constructs from the technology acceptance literature, such as perceived ease of use, social influence and trust. However, they also suggest the need to modify some adoption factors previously found in the literature to fit the specific context of mobile library adoption. Perceived value was found to be a more relevant overarching adoption factor than perceived usefulness for this context. Facilitating conditions were identified as important but these differed somewhat from those covered in earlier literature. The research also uncovered the importance of trialability for this type of application. The findings provide a basis for improving theory in the area of mobile library adoption and suggest a number of practical design recommendations to help designers of mobile library technology to create applications that meet user needs

The Mediation Effect of Trusting Beliefs on the Relationship Between Expectation-Confirmation and Satisfaction with the Usage of Online Product Recommendation

Online Product Recommendations (OPRs) are increasingly available to onlinecustomers as a value-added self-service in evaluating and choosing a product.Research has highlighted several advantages that customers can gain from usingOPRs. However, the realization of these advantages depends on whether and towhat extent customers embrace and fully utilise them. The relatively low OPR USAgerate indicates that customers have not yet developed trust in OPRs’ performance.Past studies also have established that satisfaction is a valid measure of systemperformance and a consistent significant determinant of users’ continuous systemusage. Therefore, this study aimed to examine the mediation effect of trustingbeliefs on the relationship between expectation-confirmation and satisfaction. Theproposed research model is tested using data collected via an online survey from626 existing users of OPRs. The empirical results revealed that social-psychologicalbeliefs (perceived confirmation and trust) are significant contributors to customersatisfaction with OPRs. Additionally, trusting beliefs partially mediate the impactof perceived confirmation on customer satisfaction. Moreover, this study validatesthe extensions of the interpersonal trust construct to trust in OPRs and examinesthe nomological validity of trust in terms of competence, benevolence, andintegrity. The findings provide a number of theoretical and practical implications.&nbsp

The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

Consumer decision making in mobile-banking service selection

This paper reports on the findings of a study of 267 consumers on the first order selection criteria within a decision making model that utilizes the Analytic Hierarchy Process (AHP) to evaluate mobile banking service selection. The AHP analysis of the first order selection criteria for the full data sample identified ‘Time Saving’ as the highest ranked factor followed by ‘Control’ then ‘Any Place’ and lastly ‘Cost’. The survey also reports on consumer usage patterns for internet and mobile services as well as exploring their experiences with mobile banking services