The contribution of government policy and financial security control in Ghana’s mobile money services

Afful Ekow Kelly · Sellappan Palaniappan

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

Abstract

The study looked at how government policies and financial security affect the use of mobile money services. A mixed method was used, with a focus group and survey questionnaires administered. Data was collected from 2041 mobile money users were collected and analyzed using SmartPLS based on the TAM model. Government policy and financial security have impacted users’ decisions to adopt mobile money services in Ghana. Perceived ease of use, and perceived usefulness, have influenced users’ attitudes to adopt mobile money. Again, behavioural intention to use mobile money is directly influenced by user’s attitude. Also, TAM theory has shown to be robust in analyzing affective, cognitive and behavioural issues. The findings will encourage the Ghanaian government, through its agencies, to continue with policies to improve mobile money services. This also demonstrates that citizens will support government policy related to mobile money as long as it is intended to improve the industry. Finally, mobile money services allow the development of the Ghanaian economy’s formal and informal sectors.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2014A new criterion for assessing discriminant validity in variance-based structural equation modeling 1994Research Design: Qualitative, Quantitative, and Mixed Methods Approaches 1980Understanding Attitudes and Predicting Social Behavior 2015A primer on partial least squares structural equation modeling (PLS-SEM)2018Research Design: Qualitative, Quantitative, and Mixed Methods Approaches 2003Trust and TAM in Online Shopping: An Integrated Model1 2000Why Don’t Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior1

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2024The sustainability and contribution of Generation Z influenced by hedonic and utilitarian values to use mobile money services for fee payment 2025Adoption of mobile money banking in Ghana, using an innovative framework of Financial security, Governance, and Technology (FisGoT) model

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