Factors that Influence the Acceptance of Mobile Money in Nigeria

Ezeh, Precious Chikezie; Nwankwo, N. Temple

doi:10.17722/jorm.v8i2.217

Cited by 16 publications

(22 citation statements)

References 32 publications

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“…This is in line with this research connoted the desire of merchants for various reasons to provide many easy uses in using QRIS as a digital payment tool, such as being able to relate to mobile commerce technology and does not require large efforts, easy to understand its use and more efficient. This is in line with research [13] found that the perception of ease of use, perception of cost and amount of information available related to digital payments have an important effect on customer intentions in using digital payments. From the above explanation it can be concluded that the second hypothesis is as follows:…”

Section: Methodssupporting

confidence: 90%

Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris)

Silaen

Manurung

Nainggolan

2021

International Journal of Science, Technology & Management

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The purpose of this research is to analyze the effect of benefit perception, ease perception, security and risk perception of merchant interest in using Quick Response Indonesia Standard (QRIS) simultaneously or partially. The research variables consist of, X1 is benefit perception X2 is easy perception, X3 is security, X4 is risk perception and Y is merchant interest in using QRIS. Research data is Primary Data, obtained from the results of the distribution of questionnaires designed with the scale likert. The sample of the research was the merchant in pematangsiantar. Test Instruments using Test validity and reliability using SPSS. Technique Analysis, Multiple Regression, Classic Assumption Test, Hypothesis Test (Test F and Test t). The result showed that benefit perception has no significant effect on merchant interest using QRIS, the easy perception has no significant effect on merchant interest using QRIS, the security has significant effect on merchant interest using QRIS and the risk perception has significant effect on merchant interest using QRIS.

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Section: Methodssupporting

confidence: 90%

Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris)

Silaen

Manurung

Nainggolan

2021

International Journal of Science, Technology & Management

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“…Ngugi et al (2010) noted that the large unbanked population hungry for financial services and the mobile revolution, which gave access to mobile phones for the majority of the population affect user adoption of mobile money service. Other scholars have examined mobile money acceptance and adoption in Africa with well-establish models like the TAM (Tobbin and Kuwornu, 2011; Sayid et al , 2012; Ezeh and Nwankwo, 2018). In this research, we focus on the theoretical lenses of the UTAUT model, which is an extension of the widely accepted TAM.…”

Section: Theoretical Background and Hypothesesmentioning

confidence: 99%

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

Odoom

Kosiba

2020

JSIT

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Purpose Currently, mobile payments have become pervasive in electronic commerce and are steadily increasing in many regions worldwide. In the literature, however, its continued usage among consumers is deemed equivocal, particularly among small businesses. This study uses the unified theory of acceptance and use of technology (UTAUT) to examine mobile money continuance intention among micro enterprises in an emerging/less-developed economy. This study aims to explore the mediating role of agent credibility on this relationship, given that these agents are contingent actors between service providers and mobile money users. Design/methodology/approach After a preliminary qualitative enquiry, quantitative data collected from 584 micro enterprises were tested from the UTAUT perspective, using structural equation modelling. Findings Findings from the study establish the applicability of the UTAUT in explaining the antecedents, motivations and continuance intention of mobile money usage among micro enterprises. Further, beyond their direct effects, the UTAUT conditions have indirect effects on the continuance intention through their effect on perceived agent credibility. Originality/value The findings provide evidence to issues of research and managerial interest, offering insightful implications to the academic and practitioner communities, respectively.

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“…As for Vietnam, Le et al (2022) reported that some determining factors include perceived usefulness, perceived ease of use, user innovativeness, and government support. While in Nigeria, Ezeh & Nwankwo (2018) mentioned that the determining factors are perceived ease of use, perceived financial cost, and amount of information. Then in Turkey, Altin Gumussoy et al (2018) found that perceived usefulness, perceived ease of use, and perceived risk are determining factors of use intention.…”

Section: Bank Of Indonesia Central Javamentioning

confidence: 99%

“…That can mean that users will form a good attitude toward new technologies and adopt or use them when they believe they are beneficial and easy to use. In addition to these two factors, TAM theory can also develop a model by adding a factor of product knowledge and risk perception as external variables (Altin Gumussoy et al, 2018;Ezeh & Nwankwo, 2018;Patel & Patel, 2018).…”

Section: Technology Acceptance Model (Tam)mentioning

confidence: 99%

Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market

Nurhapsari

Sholihah

2022

JEM

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Quick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRIS

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Factors that Influence the Acceptance of Mobile Money in Nigeria

Abstract: Abstract-Availability of Mobile phones creates opportunities for banking institutions to introduce new services. Among the latest services in banking institutions in

Cited by 16 publications

References 32 publications

Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris)

Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris)

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

Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market

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