Do mobile financial services ensure the subjective well-being of micro-entrepreneurs? An investigation applying UTAUT2 model

Syed Abidur Rahman · Mirza Mohammad Didarul Alam · Seyedeh Khadijeh Taghizadeh

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Technology Adoption and User Behaviour Microfinance and Financial Inclusion Health, Technology, Consumer Behavior

Abstract

The world is now in human palms due to the rapid proliferation of technology e.g. mobile money transferring. Consequently, the information technology has been sensed as a tool for development which is influencing human well-being. This research embarks upon to examine the influence of UTAUT2 model on the subjective well-being of the bKash agents (micro-entrepreneurs) who belong to the underdeveloped societal group. Data were gathered from the bKash agents in Bangladesh with a response rate of 37.5% and was analyzed by SEM-PLS3.0 statistical software. The results reveal that price value strongly predicts behavioral intention for accepting and using mobile financial services along with other factors. Most importantly, the result suggests that the usage behavior of mobile financial services influences the subjective well-being of the respondents. Adjoining the concept of subjective well-being with a unified theory of acceptance and usage of technology is the paper’s uniqueness to the ‘development’ knowledge domain.

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