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Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable
Dissertation (MBA)--University of Pretoria, 2012.
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| Format: | Thesis |
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University of Pretoria
2013
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| _version_ | 1867613470602559488 |
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| access_status_str | Open Access |
| author2 | Chipp, Kerry |
| author_browse | Chipp, Kerry |
| author_facet | Chipp, Kerry |
| collection | Thesis |
| dc_rights_str_mv | © 2012 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 | Dissertation (MBA)--University of Pretoria, 2012. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/23059 |
| institution | University of Pretoria (South Africa) |
| last_indexed | 2026-06-10T12:36:39.766Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2013 |
| publishDateRange | 2013 |
| publishDateSort | 2013 |
| 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:2263/23059 Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable Chipp, Kerry ichelp@gibs.co.za Unyolo, Thokozani UCTD Infrastructure reliability Mobile money Trust Unified theory of acceptance and technology use Technology adoption Dissertation (MBA)--University of Pretoria, 2012. Mobile money is gaining momentum in emerging markets as the solution to bank those who were previously unbanked. The number of people in Africa who have mobile phones is 644 million subscribers and has for a long time exceeded those who have bank accounts and access to formal financial services (Cobert, Helms,&Parker, 2012). About 2.5 billion adults, just over half of world’s adult population, do not use formal financial services to save or borrow, of this number 2.2 billion of these unserved adults live in Africa, Asia, Latin America, and the Middle East (Chaia et al., 2009). This study sought to explore factors that will determine adoption of mobile money by adapting Venkatesh, Thong and Xu’s (2012) Unified Theory of Acceptance and Technology Use (UTAUT 2) research model to assess the drivers of behavioural intention. The model was extended by incorporating two additional constructs; trust and infrastructure reliability, which have been excluded in previous studies that have been done in developed countries. Further to this, the findings of this study will make a significant contribution to Information Systems (IS) research by identifying factors that influence technology adoption in a developing market context.This main aim of this quantitative research was to empirically discover the deeper motivations that affect the consumer behavioural intention and usage behaviour to use mobile money in Malawi. The value of this paper lies in the use of interviews to unveil new determinants of the Unified Theory of Acceptance and Technology use in the adoption of mobile money in a developing market that influence behavioural intention and usage behaviour. The seven factors examined in this study are performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), price value (PV), infrastructure reliability (IR), and trust (T) moderated by gender and age impact on technology adoption. The study sample consists of 508 respondents with a response rate of 84%.The findings indicate that performance expectancy, effort expectancy, facilitating conditions, trust, and price value were positively associated with consumer behavioural intention to use mobile money in Malawi. In addition, infrastructure reliability and social influence were found to have an insignificant effect on consumer behavioural intention to use mobile money.The research adds value on existing studies on technology adoption as it contributes to understanding disruptive technology from a consumer perspective in a developing market which has been excluded in previous research papers. Another value of this paper lies in the use of UTAUT 2 to identify a new construct, trust, as a determinant of mobile money adoption in a consumer perspective which is applicable in Malawi. In addition to this it enables us to contribute to current literature on the emerging mobile money market in Malawi, which is largely under researched. Gordon Institute of Business Science (GIBS) unrestricted 2013-09-06T14:24:36Z 2013-04-29 2013-09-06T14:24:36Z 2013-04-25 2012 2013-03-09 Dissertation Unyolo, T 2012, Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://hdl.handle.net/2263/23059 > F13/4/293/zw http://hdl.handle.net/2263/23059 http://upetd.up.ac.za/thesis/available/etd-03092013-164419/ © 2012 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 Infrastructure reliability Mobile money Trust Unified theory of acceptance and technology use Technology adoption Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title | Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title_full | Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title_fullStr | Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title_full_unstemmed | Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title_short | Building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| title_sort | building consumer mobile money adoption and trust in conditions where infrastructures are unreliable |
| topic | UCTD Infrastructure reliability Mobile money Trust Unified theory of acceptance and technology use Technology adoption |
| url | http://hdl.handle.net/2263/23059 http://upetd.up.ac.za/thesis/available/etd-03092013-164419/ |