User Acceptance of Mobile Payment: The Effects of User‐Centric Security, System Characteristics and Gender

Edda Tandi Lwoga · Noel Biseko Lwoga

131 citations0/0 files storedThe Electronic Journal of Information Systems in Developing Countries

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Technology Adoption and User Behaviour Usability and User Interface Design Health, Technology, Consumer Behavior

Abstract

Abstract This paper investigates the effects of user‐centric, security, and system characteristics and the moderating effects of gender on behavioural intention to use mobile payments (m‐payment) services in Tanzania. The study extended the Technology Acceptance Model (TAM) to better explain and predict the users’ intentions to use m‐payment services. A questionnaire survey was conducted with 292 m‐payment users in Morogoro and Dar es Salaam, Tanzania. The study used structural equation modeling and multi‐group analysis for data analysis. The study found that compatibility, social influence, and m‐payment knowledge determined perceived usefulness, while m‐payment knowledge, trust and compatibility predicted perceived ease of use of m‐payment services. Moreover, perceived ease of use determined perceived usefulness, and perceived usefulness and personal innovativeness in turn, had positive effects on the behavioural intention to use m‐payment. There were gender differences on the behavioural intention to use m‐payment. The effect of compatibility and personal innovativeness on perceived ease of use, and the influence of ease of use on behavioural intention were moderated by gender such that it is more significant for men more than women. The effects of social influence on perceived usefulness were stronger for female more than their male counterparts. The paper provides empirical findings for mobile service providers to improve their marketing plans, and development of new applications in the Tanzanian culture or other countries with similar conditions.

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References

1991The theory of planned behavior 1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 2012Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology1 1991Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation 1985A technology acceptance model for empirically testing new end-user information systems : theory and results

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2021The Evolving Research of Customer Adoption of Digital Payment: Learning from Content and Statistical Analysis of the Literature 2019The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems 2020Predicting mobile network operators users m-payment intention 2019The differential impact of “mood” on consumers’ decisions, a case of mobile payment adoption

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