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The influence of trust and perceived risk on mobile payment adoption in emerging markets
Mini Dissertation (MBA)--University of Pretoria, 2024.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2025
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| _version_ | 1867613604476354560 |
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| access_status_str | Open Access |
| author2 | Chiba, Manoj |
| author_browse | Chiba, Manoj |
| author_facet | Chiba, Manoj |
| collection | Thesis |
| dc_rights_str_mv | © 2024 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2024. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/101898 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:46.059Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/101898 The influence of trust and perceived risk on mobile payment adoption in emerging markets Chiba, Manoj ichelp@gibs.co.za Mhlongo, Talani Ayanda UCTD Mobile Payments Trust Financial Risk Privacy Risk Intention to Adopt Mini Dissertation (MBA)--University of Pretoria, 2024. The financial services sector continues to evolve, due to the rapid advancements in technology. Innovative banking services such as mobile payments are becoming more popular, providing benefits such as convenience, lower costs, and faster processing of transactions to consumers. Despite the benefits, the adoption of mobile payments in many countries remains low. Previous adoption studies have found that perceived risk negatively impacts consumers’ intention to adopt mobile payments while trust has been found to contribute to consumers’ confidence in mobile payments. Mobile payment adoption research has been conducted in many countries, in emerging markets, but very few studies have focused on the South African context. Given the unique context and challenges faced in South Africa, it is important to understand whether the perceptions of trust and perceived risk influence consumers’ intention to adopt mobile payments. The study followed a quantitative, explanatory, cross-sectional approach. Data was collected using an online survey questionnaire. 193 responses were collected using a non-probability convenience sampling technique. Data was analysed using Pearson’s correlation coefficient and multiple linear regression analysis. Key findings of the study were that trust plays a significant role in influencing consumers to adopt mobile payments. In contrast, financial risk and privacy risk, were found to be not predictors of consumers intention to adopt. The main conclusions of the study were therefore that the sub-constructs of perceived risk, which are financial risk and privacy risk are not reliable indicators of intention to adopt. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-08:Decent work and economic growth SDG-09: Industry, innovation and infrastructure 2025-04-08T09:44:47Z 2025-04-08T09:44:47Z 2025-05-05 2024-11 Mini Dissertation * A2025 http://hdl.handle.net/2263/101898 en © 2024 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Mobile Payments Trust Financial Risk Privacy Risk Intention to Adopt The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title | The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title_full | The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title_fullStr | The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title_full_unstemmed | The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title_short | The influence of trust and perceived risk on mobile payment adoption in emerging markets |
| title_sort | influence of trust and perceived risk on mobile payment adoption in emerging markets |
| topic | UCTD Mobile Payments Trust Financial Risk Privacy Risk Intention to Adopt |
| url | http://hdl.handle.net/2263/101898 |