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Understanding merchant adoption of m-payments in South Africa
Despite the proliferation of mobile communication technology and smartphone adoption, a number of barriers, most notably trust and security, and the lack of critical mass, have slowed the uptake of mobile payments (m-payments). Little is understood about the factors driving the success of novel, int...
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| Format: | Thesis |
| Language: | English |
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Department of Computer Science
2017
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| _version_ | 1867614048924729344 |
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| access_status_str | Open Access |
| author | Kalan, Anesh |
| author2 | Suleman, Hussein |
| author_browse | Kalan, Anesh Suleman, Hussein |
| author_facet | Suleman, Hussein Kalan, Anesh |
| author_sort | Kalan, Anesh |
| collection | Thesis |
| description | Despite the proliferation of mobile communication technology and smartphone adoption, a number of barriers, most notably trust and security, and the lack of critical mass, have slowed the uptake of mobile payments (m-payments). Little is understood about the factors driving the success of novel, intermediating technologies such as m-payments, particularly in emerging markets. In this thesis, we empirically investigated the factors that affect the success of m-payments in Cape Town, from the merchant's perspective. The research model is based on the Perceived Characteristics of Innovation (PCI) instrument developed by Moore and Benbasat (1991) which measures an individual's perception of adopting m-payments. Our results found the main adoption drivers to be relative advantage, ease of use, results demonstrability, convenience, speed of transaction, and service provider brand value. The key barriers to adoption include cost as well as trust and security. Based on our findings, implications for practice and future studies are suggested. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/22834 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:45:51.419Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2017 |
| publishDateRange | 2017 |
| publishDateSort | 2017 |
| publisher | Department of Computer Science |
| publisherStr | Department of Computer Science |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/22834 Understanding merchant adoption of m-payments in South Africa Kalan, Anesh Suleman, Hussein Information Technology Despite the proliferation of mobile communication technology and smartphone adoption, a number of barriers, most notably trust and security, and the lack of critical mass, have slowed the uptake of mobile payments (m-payments). Little is understood about the factors driving the success of novel, intermediating technologies such as m-payments, particularly in emerging markets. In this thesis, we empirically investigated the factors that affect the success of m-payments in Cape Town, from the merchant's perspective. The research model is based on the Perceived Characteristics of Innovation (PCI) instrument developed by Moore and Benbasat (1991) which measures an individual's perception of adopting m-payments. Our results found the main adoption drivers to be relative advantage, ease of use, results demonstrability, convenience, speed of transaction, and service provider brand value. The key barriers to adoption include cost as well as trust and security. Based on our findings, implications for practice and future studies are suggested. 2017-01-19T12:29:21Z 2017-01-19T12:29:21Z 2016 Master Thesis Masters MSc http://hdl.handle.net/11427/22834 eng application/pdf Department of Computer Science Faculty of Science University of Cape Town |
| spellingShingle | Information Technology Kalan, Anesh Understanding merchant adoption of m-payments in South Africa |
| thesis_degree_str | Master's |
| title | Understanding merchant adoption of m-payments in South Africa |
| title_full | Understanding merchant adoption of m-payments in South Africa |
| title_fullStr | Understanding merchant adoption of m-payments in South Africa |
| title_full_unstemmed | Understanding merchant adoption of m-payments in South Africa |
| title_short | Understanding merchant adoption of m-payments in South Africa |
| title_sort | understanding merchant adoption of m payments in south africa |
| topic | Information Technology |
| url | http://hdl.handle.net/11427/22834 |
| work_keys_str_mv | AT kalananesh understandingmerchantadoptionofmpaymentsinsouthafrica |