Why Mobile Money Users Keep Increasing? Investigating the Continuance Usage of Mobile Money Services in Tanzania

Koloseni, Daniel; Mandari, Herman

doi:10.58729/1941-6679.1312

Cited by 22 publications

(23 citation statements)

References 57 publications

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“…TPB is now one of the well-established theories among researchers in explaining and predicting adoption general behaviors (Al-Lozi and Papazafeiropoulou, 2012; Al-Debei et al. , 2013; Koloseni and Mandari, 2017). Despite the popularity of the TPB, limited studies have employed it in explaining and predictingcontinuance behavior of online learning.…”

Section: Literature Reviewmentioning

confidence: 99%

Predicting students' intention to continue online learning post-COVID-19 pandemic: extension of the unified theory of acceptance and usage technology

Marandu

Mathew

Svotwa

et al. 2022

JARHE

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PurposeThe purpose of this study is to predict the intention to continue online learning post the coronavirus disease 2019 (COVID-19) pandemic among students in the two largest universities of higher learning in Botswana. Furthermore, the purposes of this study are to elucidate the nexus between performance expectancy and continuance intention to establish the effects of efforts expectancy on continuance intention to investigate the relationship between social influence and continuance intention to determine the relationship between facilitating conditions and continuance intention and to examine the relationship between satisfaction and continuance intention using the extended unified theory of acceptance and usage technology (UTAUT) model postulated by Venkatesh et al. (2003).Design/methodology/approachThe study is based on the descriptive research design, using a structured questionnaire to collect quantitative data from 509 undergraduate and postgraduate students at Botswana's two major Universities using convenience sampling strategy. An online survey was used to gather primary data due to the COVID-19 pandemic. The study employed correlation and regression analysis in testing the five hypothesized relationships.FindingsUsing the extended theory of UTAUT as a theoretical lens, the study found that: performance expectancy, social influence and satisfaction predict continuance intention of online learning services. These factors have shown to be good predictors of intention in previous research. Expectancy effort had no influence on intention.Research limitations/implicationsThe current study covered on only university students from two tertiary institutions; therefore, results cannot safely be generalized to the student population in the country. Therefore, future research should consider enlisting more universities to be more representative, focusing on lecturers, which is an important group in fostering online teaching that could have a spill-over effect on the students' continued online learning.Practical implicationsImplications for online technology selection: These findings suggest that although most universities temporarily adopted online teaching as an emergency solution, students appear to have felt that the outcomes delivered by the system improved their performance. This implies that academic institutions need to consider adjusting the curriculum to promote online learning in the future, whether there is pandemic or no pandemic. Implications for teaching and learning: First, the concept of social influence suggests that lecturers can make use of online chat discussion boards and rooms to foster student collaboration and a sense of community. Second, and finally online service providers should foster a close relationship with students to understand their expectations and extend the performance of their applications to satisfy their users.Originality/valueThis study contributes to literature on online learning during the COVID-19 pandemic period by including satisfaction and continuance intention to the original UTAUT model thus extending the practical value of the model. This study extends knowledge on the factors that determine continuance intention by incorporating satisfaction in addition to the four factors of the traditional UTAUT. The study provides evidence for the predominance of satisfaction over the four traditional factors in predicting intention to continue online learning among students.

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Section: Literature Reviewmentioning

confidence: 99%

Predicting students' intention to continue online learning post-COVID-19 pandemic: extension of the unified theory of acceptance and usage technology

Marandu

Mathew

Svotwa

et al. 2022

JARHE

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“…Regarding the other relationships, the strongest effects were found in the relationship between benefits and continuance intention (r 5 0.538), followed by satisfaction (r 5 0.421) and performance expectation (r 5 0.352). The most frequently tested relationships were found to be between continuance intention and satisfaction ( 41), followed by trust (28), usefulness (26) and ease of use (9). Notably, all the relationships presented high levels of heterogeneity, which suggests there is considerable discrepancy among primary study methods and contexts that could explain the effects (Hedges and Olkin, 1985).…”

Section: Correlation Effect-sizesmentioning

confidence: 99%

Continuance intention in financial technology: a framework and meta-analysis

Bergmann

Maçada

Santini

et al. 2023

IJBM

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PurposeAlthough many studies have sought to address the topic of continuance intention among Fintech customers, the reported findings are fragmented. Therefore, the present study proposes a research model that integrates the main constructs involved in Fintech continuance intention.Design/methodology/approachThe current study uses a meta-analytic-based correlation analysis of effect sizes, meta-regression analysis and meta-analytic structural equation modeling, with 247 effect sizes in 69 studies involving 26,140 respondents.FindingsThe results reveal continuance intention is driven by satisfaction and trust, with ease of use and usefulness being antecedents of satisfaction and trust. The authors also found evidence to show satisfaction partially mediates the relationship between ease of use and continuance intention and that trust fully mediates the relationship between ease of use and continuance intention and partially mediates the relationship between usefulness and continuance intention. In addition, the authors found that in Western countries, with higher Human Development Index levels and greater of use of electronic payment, satisfaction has more impact on continuance intention.Practical implicationsFrom a theoretical standpoint, this meta-analytic study has implications for the literature on Fintech by offering an empirical generalization on the strength of the antecedents of Fintech continuance intentions and by testing possible moderators in a wide range of countries and studies. In other words, this study’s goal is to broaden the scope of the research. Regarding managerial implications, it is important to listen to user opinions regarding the positive and negative points of their experience with these technologies and take them into consideration when planning improvements. Additionally, the analysis shows the importance of using data from user interaction with technology, obtained, for example, through big data analytics, whereby companies can see how users behave, how much time they spend accessing certain functions and which technological features they use most, and thus seek to improve whatever is needed.Originality/valueThis meta-analytic study advances the understanding of Fintech continuance intentions. Using the proposed approach, it is possible to generate accurate estimates of the effect size of each analyzed antecedent as the meta-analytic method jointly evaluates the results produced by a wide variety of studies performed in different contexts, allowing more accurate conclusions to be drawn.

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“…In Africa m-payment has over 29 million active users in more than five countries (Jack and Suri, 2011;Vodafone Group, 2016). In some countries it is called mobile money (Koloseni and Mandari, 2017). M-payment refers to services that enable users to transfer money, pay services and goods, and withdraw money via a mobile phone (Koloseni and Mandari, 2017;Shao et al, 2019).…”

Section: Mobile Payment In An African Contextmentioning

confidence: 99%

“…In some countries it is called mobile money (Koloseni and Mandari, 2017). M-payment refers to services that enable users to transfer money, pay services and goods, and withdraw money via a mobile phone (Koloseni and Mandari, 2017;Shao et al, 2019). It is sometimes confused with online payment, but it is not the same because online payment uses any mobile device connected to the internet, such as a tablet, mobile phone, or laptop (Zhou, 2015), while m-payment uses only mobile phones with or without internet.…”

Section: Mobile Payment In An African Contextmentioning

confidence: 99%

“…Chen and Li (2017) investigated the intention to continue to use m-payment services using IT continuance, risk-trust, and affectcognition. Koloseni and Mandari (2017) used the theory of planned behaviour, perceived cost, perceived trust, and satisfaction to examine continuance usage of mobile money services. Yu et al (2018) investigated the intention to continue using m-payment based on trust transfer theory.…”

Section: Mobile Payment In An African Contextmentioning

confidence: 99%

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Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context

2022

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The use of mobile payment (m-payment) is growing exponentially in developing countries. A small number of investigations have been undertaken on what makes people continue to use mpayment in an African context. We combine the task technology fit (TTF) model, expectationconfirmation model (ECM), and trust dimension to explain the influence of continuance use of mpayment. We collected 384 valid questionnaire responses from Mozambique. The results show that the relevant constructs to explain continuance intention are use, individual performance, overall trust, and the moderation role of satisfaction.

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Why Mobile Money Users Keep Increasing? Investigating the Continuance Usage of Mobile Money Services in Tanzania

Cited by 22 publications

References 57 publications

Predicting students' intention to continue online learning post-COVID-19 pandemic: extension of the unified theory of acceptance and usage technology

Predicting students' intention to continue online learning post-COVID-19 pandemic: extension of the unified theory of acceptance and usage technology

Continuance intention in financial technology: a framework and meta-analysis

Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context

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