Understanding Interface Design and Mobile Money Perceptions in Latin America

Chiang, Charles; Anderson, Caroline; Flores-Saviaga, Claudia; Arenas, Eduardo Jr; Colin, Felipe; Romero, Mario; Rivera-Loaiza, Cuauhtémoc; Chávez, Norma Elva; Savage, Saiph

doi:10.1145/3151470.3151473

Cited by 9 publications

(4 citation statements)

References 26 publications

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“…Transaction speed is measured through time of payment and time of providing notification in accordance with the change of account balance (Schuh & Stavins, 2016). A survey with 88 mobile phone users in Mexico highlights that perceived transaction speed is essential factor in mobile payment (Chiang et al, 2017). A research paper confirms that perceived transaction speed has positive and significant relationship with performance expectancy and effort expectancy (Teo et al, 2015).…”

Section: Perceived Transaction Speedmentioning

confidence: 92%

An empirical analysis of Cambodian behavior intention towards mobile payment

Do¹,

Tham²,

Khatibi³

et al. 2019

10.5267/j.msl

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Mobile payment is becoming an evitable trend in the globe and is well expanding rapidly into emerging countries. Many research models are developed and confirmed that behavior intention is an important fact which decides the level of using mobile payment among users. The existing research models have made empirical evidences confirming behavior intention depended on performance and effort expectancy. This research expands previous empirical evidence by involving perceived transaction speed as an important explanatory variable to both performance expectancy and effort expectancy and also captures how behavior intention is influenced by performance expectancy and effort expectancy among Cambodian users. A total of 200 questionnaires were collected, analyzed and summarized for this study. Result reveals that performance expectancy and effort expectancy affect positively and significantly on behavior intention. Perceived transaction speed has a positive and significant relationship with effort expectancy but Perceived transaction does not have any positive and significant relationship with performance expectancy. Result from this study also concludes the role of perceived transaction speed which is affecting intention to use mobile payment among users. However, there are some limitations to be addressed for the future researches; this research may include larger samples to find out the clear effect on behavior intention of the end-users.

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Section: Perceived Transaction Speedmentioning

confidence: 92%

An empirical analysis of Cambodian behavior intention towards mobile payment

Do¹,

Tham²,

Khatibi³

et al. 2019

10.5267/j.msl

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“…We investigate the perceptions that Mexican immigrants have about the 3 main types of mobile money interfaces identified by prior work (see Figure 2) [4]. We especially study how each interface facilitates (or hinders) trust building.…”

Section: Discussionmentioning

confidence: 99%

Exploring Blockchain for Trustful Collaborations between Immigrants and Governments

Chiang

Betanzos

Savage

2018

Extended Abstracts of the 2018 CHI Conference on Human Factors in Computing Systems

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Immigrants usually are pro-social towards their hometowns and try to improve them. However, the lack of trust in their government can drive immigrants to work individually. As a result, their pro-social activities are usually limited in impact and scope. This paper studies the interface factors that ease collaborations between immigrants and their home governments. We specifically focus on Mexican immigrants in the US who want to improve their rural communities. We identify that for Mexican immigrants having clear workflows of how their money flows and a sense of control over this workflow is important for collaborating with their government. Based on these findings, we create a blockchain based system for building trust between governments and immigrants. We finish by discussing design implications of our work and future directions.

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“…From an ethnographic perspective, there have been several studies aimed at understanding the adoption of mobile money services in low-educated and low-income individuals via eld studies [37], interviews and qualitative user studies [36,45]. Within the Human Computer Interaction (HCI) literature, several works have studied how customers interact with mobile money and the impact of their design on customer behavior [11,35].…”

Section: Related Work: Mobile Moneymentioning

confidence: 99%

Mobile Money: Understanding and Predicting its Adoption and Use in a Developing Economy

Centellegher¹,

Miritello²,

Villatoro³

et al. 2018

Preprint

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Access to nancial institutions is di cult in developing economies and especially for the poor. However, the widespread adoption of mobile phones has enabled the development of mobile money systems that deliver nancial services through the mobile phone network. Despite the success of mobile money, there is a lack of quantitative studies that unveil which factors contribute to the adoption and sustained usage of such services. In this paper, we describe the results of a quantitative study that analyzes data from the world's leading mobile money service, M-Pesa. We analyzed millions of anonymized mobile phone communications and M-Pesa transactions in an African country. Our contributions are threefold: (1) we analyze the customers' usage of M-Pesa and report large-scale pa erns of behavior; (2) we present the results of applying machine learning models to predict mobile money adoption (AUC=0.691), and mobile money spending (AUC=0.619) using multiple data sources: mobile phone data, M-Pesa agent information, the number of M-Pesa friends in the user's social network, and the characterization of the user's geographic location; (3) we discuss the most predictive features in both models and draw key implications for the design of mobile money services in a developing country. We nd that the most predictive features are related to mobile phone activity, to the presence of M-Pesa users in a customer's ego-network and to mobility. We believe that our work will contribute to the understanding of the factors playing a role in the adoption and sustained usage of mobile money services in developing economies.CCS Concepts: •Human-centered computing → Mobile phones; Empirical studies in ubiquitous and mobile computing; •Information systems → Digital cash;

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Understanding Interface Design and Mobile Money Perceptions in Latin America

Cited by 9 publications

References 26 publications

An empirical analysis of Cambodian behavior intention towards mobile payment

An empirical analysis of Cambodian behavior intention towards mobile payment

Exploring Blockchain for Trustful Collaborations between Immigrants and Governments

Mobile Money: Understanding and Predicting its Adoption and Use in a Developing Economy

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