How is the use of mobile money services transforming lives in Ghana?

Shaikh, Aijaz A.; Glavee-Geo, Richard; Karjaluoto, Heikki; Hinson, Robert Ebo

doi:10.4324/9781351174466-12

Cited by 4 publications

(4 citation statements)

References 30 publications

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“…Digital payments, especially mobile money, is a critical digital transformation priority for MSEs post-pandemic ( Shaikh et al., 2019 ). Compared to other digital tools, mobile technology appears to be widely adopted by small businesses, especially in developing countries ( Mohanty and Mishra, 2020 ).…”

Section: Literature Reviewmentioning

confidence: 99%

“…MSEs mobile pay services for small businesses exist, such as MTN MoMo pay. MoMo Pay has shown considerable early success in driving the digitization of payments in Ghana's cash-dominated economy ( Shaikh et al., 2019 ). MoMo Pay is a merchant payment service that encourages customers to digitize transactions with sellers, paying for products and services through MTN Mobile Money rather than cash.…”

Section: Literature Reviewmentioning

confidence: 99%

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COVID-19 pandemic digitization lessons for sustainable development of micro-and small- enterprises

Bai

Quayson

Sarkis

2021

Sustainable Production and Consumption

269

110

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The coronavirus (COVID-19) pandemic has undeniably influenced the global economy and environment. Major victims of the COVID-19 outbreak are Micro and Small Enterprises (MSEs), especially in developing countries, mainly because of limited use of digital technologies. This paper employs a literature review and personal insights to provide COVID-19 pandemic digitization lessons for sustainable development of MSEs from a technology for social good perspective. We develop a framework to support post COVID-19 digital transformation for sustainable development of MSEs. We find that digital payments, especially mobile money, should be a critical digital transformation priority for MSEs. Also, institutions must support MSE resources and capabilities to adopt digital transformation for business continuity, and sustainable production and consumption. Our study suggests that MSE managers and other stakeholders rethink their business strategies, incorporating crisis scenarios and business continuity plans to sustain customers virtually to enhance sustainable development. We also propose further research areas to improve the successful digital transformation of MSEs post COVID-19.

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Section: Literature Reviewmentioning

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

COVID-19 pandemic digitization lessons for sustainable development of micro-and small- enterprises

Bai

Quayson

Sarkis

2021

Sustainable Production and Consumption

269

110

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“…Continuous usage intention differs from the technology or service acceptance, entails the actual behaviour of the consumer since the initial adoption of a technology, system, application or service does not guarantee its continuous usage (Shaikh et al, 2019b). The relationship between subjective well-being and continuous use of a product or service has gradually become more prominent in the literature of various technology-related areas.…”

Section: Subjective Well-being On Continuous Usage Intentionmentioning

confidence: 99%

Analysing user well-being in ridehailing services

Shaikh,

Liebana-Cabanillas,

Alharthi

et al. 2023

SJME

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Purpose Although the sharing economy improves comfort and convenience, it is yet unclear how it affects subjective well-being. This study aims to offer a conceptual model for understanding the linkages between the antecedents and consequences of subjective well-being in ridehailing services. Design/methodology/approach Using a non-probabilistic sampling method and a pre-tested survey instrument, 450 responses were collected from January to March 2020. The data were analysed using structural equation modelling. Findings Experience quality and perceived convenience are correlated with subjective well-being. Perceived value and personal innovativeness were not correlated with subjective well-being, as the former does not contribute to the latter’s development. Continuous usage intention significantly correlated with subjective well-being, followed by customer relationship proneness and advocacy. Regarding gender and age differences, men place higher value on customer relationship proneness than women, while women place higher value on subjective well-being than men. Older users value perceived convenience and customer relationship proneness in ridehailing services more than younger users. Practical implications Understanding key factors contributing to user well-being in ridehailing would promote a more affordable mobility sector globally. This understanding would enable ridehailing businesses to create more effective business and marketing plans while prioritising user well-being, thus enhancing user happiness and reducing turnover rates. Originality/value This research demonstrates how crucial it is for users’ well-being to have a positive experience and find the service convenient. It also highlights the importance of building strong customer relationships and examines how gender and age influence people’s adoption and use of these services.

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“…Smartphone banking is a variant of mobile banking that allows customers who use smartphones or other cellular gadgets to pay bills, transfer funds, check the statement of account, locate automated teller machines, and perform other similar banking transactions (Shaikh & Karjaluoto, 2015; Susanto et al, 2016; Tam & Oliveira, 2017). Though the term smartphone banking has been used interchangeably with other means of payment, such as mobile money, and mobile payment; their modus operandi, regulatory policies, and intended markets are different (Shaikh et al, 2019). Smartphone banking offers high usability, benefits, and customized banking experience (Karjaluoto et al, 2019) to a wide range of users against others (e.g., mobile money) that are targeted at the “underbanked, unbanked, and de‐banked” population (Shaikh & Karjaluoto, 2016), especially, in developing countries.…”

Section: Introductionmentioning

confidence: 99%

Smartphone banking usage in Nigeria: Gamification, technology acceptance and cultural factors empirical perspectives

Salimon

Aliyu

Yusr

et al. 2021

E J Info Sys Dev Countries

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Several studies have been conducted within the domain of technology adoption, yet, less attention has been paid to how gamification can be employed to elicit fun that can accelerate the rate of smartphone banking usage. Equally, the cultural peculiarities of smartphone banking users have been largely ignored by the majority of the previous studies. This study, therefore, identified the potential influence of the utilization of gamification, hedonic motivation, and cultural factors in the usage of smartphone banking. This is achieved through the conceptualization of a framework that empirically tested the influence of six exogenous variables on smartphone usage using data from 388 respondents from Nigeria, and having employed Partial Least Square (PLS) Structural Equation Modeling as a technique of analysis. The findings of the study reveal that gamification, hedonic motivation, and cultural factors along with the Technology Acceptance Model core variables are strong determinants of Smartphone Banking usage. Practitioners can draw significant insights on how to effectively design smartphone banking using gamification and hedonic techniques, especially that the trend is moving largely towards these directions in the financial industry and through which value can be created for users.

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How is the use of mobile money services transforming lives in Ghana?

Cited by 4 publications

References 30 publications

COVID-19 pandemic digitization lessons for sustainable development of micro-and small- enterprises

COVID-19 pandemic digitization lessons for sustainable development of micro-and small- enterprises

Analysing user well-being in ridehailing services

Smartphone banking usage in Nigeria: Gamification, technology acceptance and cultural factors empirical perspectives

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