A Study On The Factors Influencing The Adoption Of Mobile Payment System In Nigeria
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A Study On The Factors Influencing The Adoption Of Mobile Payment System In Nigeria
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Author : Aminu Hamza
language : en
Publisher:
Release Date : 2014
A Study On The Factors Influencing The Adoption Of Mobile Payment System In Nigeria written by Aminu Hamza and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Mobile commerce categories.
The proliferation of handheld devices and the high-speed mobile network have created another revolution in the world of commerce. Despite the continuous emerging payment solutions and abundant facilitating technologies, the level of mobile payment system adoption is quite low. Researchers focused their attention mainly on mobile payment business model and mobile payment software/infrastructures architectures with relatively little attention paid to the factors influencing the adoption. Moreover, researchers paid very little attention on issues regarding mobile payment system adoption in developing countries. Accordingly, this study examined the factors that determine the adoption of mobile payment system and how their influence differs by gender of the students of tertiary institutions in Nigeria. Technology Acceptance Model (TAM) was used with three additional variables to form the conceptual model. The study was conducted in three Universities in Kano state, Nigeria. Purposive sampling method was used with a total valid 214 respondents which involved the students of Bayero University Kano (BUK), North-West University, and Kano University of Science and Technology (KUST) Wudil, Kano, Nigeria. The results of the multiple regression analysis revealed that perceived ease of use (PEOU), perceived usefulness (PU), perceived compatibility (PC) and social norm (SN) have significant and positive correlation with the behavioural intention to adopt mobile payment system. The findings from the independent t-test also revealed that there is a significant difference on the influence of PEOU and SN among the gender of the students with male having high perceived ease use (PEOU) over female counterpart, while social norm (SN) influences female more than their male counterpart in adopting mobile payment. The study provided empirical support of the background theory outside the context of developed countries and contributed significantly to the existing literature in the field of mobile payment. Secondly, the study provided input about the critical success factors of the adoption of mobile payment system among mobile users. Thirdly, the study will help authorities to make relevant adjustments regarding the cashless-policy to make it more effective in the economy.
Exploring The Factors Influencing The Adoption And Extent Of Use Of Electronic Payment Systems Eps By Small And Medium Enterprises Smes In Nigeria
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Author : Patrick Ohunmah Igudia
language : en
Publisher:
Release Date : 2015
Exploring The Factors Influencing The Adoption And Extent Of Use Of Electronic Payment Systems Eps By Small And Medium Enterprises Smes In Nigeria written by Patrick Ohunmah Igudia and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Electronic funds transfers categories.
SMEs are slow adopters of new technologies and understandably so because they are entangled in a vicious cycle of poverty. It is even more so for SMEs located in developing markets such as the sub-Saharan Africa. SMEs in these areas are faced with several difficult institutional and cultural bottlenecks which often impede their access to and use of new technologies. In Nigeria, the recently introduced cashless policy is one of many strategies intended to enhance SMEs' chances in the global e-commerce market as much as the general Nigerian economy. Studies reveal that Nigerian SMEs are slow to adopt and use this new technological innovation called the e-payment system (EPS) even when it can improve their chances to participate successfully in e-commerce. However, there is little in the literature to understand why and what is needed to be done to encourage and facilitate their participation in adopting and using this technology. This area of study has not been sufficiently explored. Thus, this thesis fills the void and explores the factors influencing EPS adoption and extent of use by SMEs in Nigeria.
Factors Influencing The Adoption Of Mobile Payment Method Among Generation Z
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Author : Triasesiarta Nur
language : en
Publisher:
Release Date : 2021
Factors Influencing The Adoption Of Mobile Payment Method Among Generation Z written by Triasesiarta Nur and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.
Objective- Rapid advances in financial technology have tremendously changed both the way of life and the way of doing business over recent decades. The ubiquitous usage of the internet is fostering new forms of enterprise. Mobile payment is a new way to conveniently and effectively conduct financial transactions through digital platforms. This study analyzes the factors influencing the adoption of mobile payments as a method of payment utilized by Gen-eration Z. Generation Z represents the successor of the generation of our society and the gen-eration that interacts the most with internet technology.Design/methodology- Using the Extended Unified Theory of Acceptance and Use of Technology (UTAUT) model, this study sampled 100 respondents of Generation Z from Ja-karta and surrounding areas (JABODETABEK) and further analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM). Results - The results show that factors relating to Performance Expectancy, Social Influ-ences, Facilitating Condition, Perceived Enjoyment, and Trust significantly affect the Behav-ioral Intention to use mobile payments to conduct online transactions. Effort Expectancy shows no significant effect.Contribution - This study provided the evidence about the factors influencing the Gener-ation Z's intention behavior to adopt mobile payment technology as a tool in online purchasing, using the extended UTAUT model. This stems from extended UTAUT and applies it to explore how the Behavioral Intention of Generation Z in adopting mobile payment technology.
Driver Acceptance Of New Technology
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Author : Dr Tim Horberry
language : en
Publisher: Ashgate Publishing, Ltd.
Release Date : 2014-02-12
Driver Acceptance Of New Technology written by Dr Tim Horberry and has been published by Ashgate Publishing, Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-02-12 with Science categories.
This book collects into a single, edited volume the accumulating body of thinking and research on driver and operator acceptance of new technology. Bringing together contributions from international experts from around the world, the editors have shaped a book that covers the theory behind acceptance, how it can be measured and how it can be improved. Case studies are presented that provide data on driver acceptance of a wide range of new and emerging vehicle technology.
Factors Influencing Adoption And Diffusion Of Mobile Payment Systems A Holistic Framework
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Author : Agnieszka Zmijewska
language : en
Publisher:
Release Date : 2007
Factors Influencing Adoption And Diffusion Of Mobile Payment Systems A Holistic Framework written by Agnieszka Zmijewska and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Mobile commerce categories.
Factors Affecting E Payment Adoption In Nigeria
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Author :
language : en
Publisher:
Release Date : 2009
Factors Affecting E Payment Adoption In Nigeria written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Electronic commerce categories.
Understanding The Factors That Influence User Adoption Of E Banking Services In Developing Countries A Case Study Of Nigeria
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Author : Motunrayo Josiah
language : en
Publisher:
Release Date : 2015
Understanding The Factors That Influence User Adoption Of E Banking Services In Developing Countries A Case Study Of Nigeria written by Motunrayo Josiah and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Banks and banking categories.
This study examines the factors that influence user adoption of e-banking services in Nigeria. The questions this study hoped to answer involved whether there are significant differences between adopters and non-adopters of e-banking with respect to gender, tribe, age, income, education level area of residence, salary payment method and internet literacy level and with respect to their perceptions towards e-banking security, awareness, ease of use, privacy and trust. Primary data were collected from using a self-administered questionnaire uploaded online for voluntary respondents within Nigeria. The data obtained were analyzed using frequencies, percentages, chi-squared tests, and independent t-tests. Findings revealed that gender, tribe, age, education level area of residence, internet literacy and e-banking awareness had significant effects in influencing user adoption of e-banking while income level sector of employment and method of payment had no significant effect on customer adoption of e-banking in Nigeria. Also, based on respondents' perceptions towards e-banking, the conclusion is that there is a significant difference between adopters and non-adopters with respect to their perception towards e-banking security, e-banking privacy, ease of use and trust in the Nigerian e-banking system. Finally, as a result of the findings, the researcher recommends that Nigerian banks incorporate biometric authentication into their e-banking system to enhance security.
Factors Influencing Adoption Of Mobile Credit System In Kenya Emod Thesis A Ccompanied By A Cd Rom
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Author :
language : en
Publisher:
Release Date : 2014
Factors Influencing Adoption Of Mobile Credit System In Kenya Emod Thesis A Ccompanied By A Cd Rom written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
The purpose of this study was to identify factors influencing the adoption of mobile credit system in Kenya and the specific research questions of the study were: to establish the influence of acceptability factors on the adoption of mobile credit system in Kenya; to establish the influence of affordability factors on the adoption of mobile credit system in Kenya; and to establish the influence of accessibility factors on the adoption of mobile credit system in Kenya. The research design was descriptive in nature. The research was conducted among Airtel Kenya employees ? Mombasa Road Headquarters? Office. The sampling frame from this study was selected from a population of 350 employees as provided by the Human Resources office electronic mails. A sample of 78 employees was targeted to represent the population of interest. The data gathered was edited and transformed into a quantitative form through coding. It was then entered into a computer. Univariate analysis like frequency distribution was adopted in the study. The analyzed data was presented inform of tables. Statistical Package for the Social Science (SPPS) was used to aid in data analysis. In regards to acceptability factors and adoption of mobile credit system in Kenya, the first major findings of the study was that the questions which were asked included amongst others on marketing exposure, demographic characteristics, and security concerns. On marketing exposure, respondents agreed that promotional efforts can create awareness of mobile credit system in establishing the influence of acceptability factors; on demographic characteristics, respondents strongly agreed that age, education and wealth characteristics are predictor of adoption decision in establishing the influence of acceptability factors; and on security concerns, out of respondents agreed that mobile provider should generate trust among uneducated rural subscribers in establishing the influence of acceptability factors. Thus, the researcher concluded that perceived security concerns has the higher ability to predict and explain the intention of users to adopt mobile credit system in Kenya. With respect to affordability factors and adoption of mobile credit system in Kenya the second major findings of this study indicated that the questions which were asked included amongst others on online transaction, credit availability, and transaction cost. On online transaction, respondents agreed that credibility was everything if it comes to mobile credit system in establishing the affordability; on credit availability, respondents agreed that out of stock lead the subscribers not to adopt the credit system in establishing the affordability factors; and on transaction cost, respondents strongly agreed that the cost of transaction to be lowered to attract rural population in establishing affordability factors. Thus, the researcher concluded that transaction cost has the higher ability to predict and explain the intention of users to adopt mobile credit system in Kenya. In relation to accessibility factors and adoption of mobile credit system in Kenya, the third and last major findings of this study indicated that the questions which were asked included amongst others on service convenience, technical issues, and network efficiency. On service convenience, respondents strongly agreed that credit system should be reasonably priced in establishing accessibility factors; on technical issues, respondents strongly agreed that limitation increases complexities thus reduces the possibility of adoption in establishing accessibility factors; and on network efficiency, respondents were neutral on the speed of mobile web connections in establishing accessibility factors. Thus, the researcher concluded that service convenience has the higher ability to predict and explain the intention of users to adopt mobile credit system in Kenya. The study made several conclusions among them that firstly, with respect to the influence of acceptability factors on mobile credit system adoption, this study concluded that perceived security risk was all about the extent to which technology-enabled services were perceived to be secure, sufficiently safe and reliable to use. Secondly, in regards to the influence of affordability factors on mobile credit system adoption, this study concluded that, users would agree to pay a reasonable fee to use a service depending on the credit cost and service provider. Thus, value for money barrier may be another factor influencing the adoption of mobile credit system. Thirdly and final, in relations to accessibility factors on mobile credit system adoption, this study concluded that, price of a technology was an important factor that influenced the adoption of the technology. This was because in times of increased competition, a distribution channel organized business processes efficiently so as to reduce distribution costs. The study also made a recommendation that the location of this study is only confined to Airtel Kenya employees at Kenya Headquarter in Nairobi. Thus, the sample and its responses may not be a representation of the beliefs and intention of Kenya towards using mobile credit system. Future research can improve on this limitation by increasing the sample size and performing future research across different respondents.
Barriers Of The Adoption Of Mobile Payment Systems In Developing Countries
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Author : Taiye Rhoda Olanrewaju
language : en
Publisher:
Release Date : 2012
Barriers Of The Adoption Of Mobile Payment Systems In Developing Countries written by Taiye Rhoda Olanrewaju and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Throughput Accounting In A Hyperconnected World
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Author : Oncioiu, Ionica
language : en
Publisher: IGI Global
Release Date : 2019-03-15
Throughput Accounting In A Hyperconnected World written by Oncioiu, Ionica and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-15 with Business & Economics categories.
As economies globalize, the number and power of transnational companies increases, especially in developing countries. Relevant, reliable, and comparable financial information and a common business language are needed to ensure communication between all users of financial information. Throughput Accounting in a Hyperconnected World provides innovative insights into controversial debates regarding the configuration and use of accounting and finance information both internally within economic entities and through third parties. These debates underline the major responsibility of users when configuring accounting and finance models and thereby in modelling business information. The content within this publication covers risk analysis, social accounting, and entrepreneurial models and is designed for managers, accountants, risk managers, academics, researchers, practitioners, and students.