Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption
Purpose – This study examined the factors that affect attitudes and intentions for sustainable adoption of mobile financial services (MFS) in Nigeria. Design/methodology/approach – The study expands the Technology Acceptance Model (TAM) by incorporating constructs like perceived service quality, per...
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| Format: | Article |
| Language: | English |
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Emerald Publishing
2024-11-01
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| Series: | Journal of Innovative Digital Transformation |
| Subjects: | |
| Online Access: | https://www.emerald.com/insight/content/doi/10.1108/JIDT-01-2024-0001/full/pdf |
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| author | Labaran Isiaku Abubakar Sadiq Muhammad Dokun Oluwajana Adacha Kwala |
| author_facet | Labaran Isiaku Abubakar Sadiq Muhammad Dokun Oluwajana Adacha Kwala |
| author_sort | Labaran Isiaku |
| collection | DOAJ |
| description | Purpose – This study examined the factors that affect attitudes and intentions for sustainable adoption of mobile financial services (MFS) in Nigeria. Design/methodology/approach – The study expands the Technology Acceptance Model (TAM) by incorporating constructs like perceived service quality, perceived ease of use, perceived usefulness, perceived credibility, perceived trust and attitude. It includes an empirical analysis with 382 participants and qualitative insights from semi-structured interviews to investigate the challenges and opportunities associated with MFS adoption in Nigeria. Findings – The findings show that perceived service quality, perceived usefulness and attitude positively influence the adoption of MFS. However, perceived ease of use and perceived credibility have little impact on adoption. Qualitative insights from Study 2 shed light on the challenges and opportunities as well as the reasons behind the insignificant effects of perceived ease of use and perceived credibility. Originality/value – This research stands out by using a mixed-methods approach, blending quantitative and qualitative analysis to provide a more detailed understanding of the factors influencing MFS adoption. |
| format | Article |
| id | doaj-art-2933babbbdbc4c619a2da07ee74e12cd |
| institution | OA Journals |
| issn | 2976-9051 2976-906X |
| language | English |
| publishDate | 2024-11-01 |
| publisher | Emerald Publishing |
| record_format | Article |
| series | Journal of Innovative Digital Transformation |
| spelling | doaj-art-2933babbbdbc4c619a2da07ee74e12cd2025-08-20T02:30:00ZengEmerald PublishingJournal of Innovative Digital Transformation2976-90512976-906X2024-11-011211813810.1108/JIDT-01-2024-0001Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoptionLabaran Isiaku0Abubakar Sadiq Muhammad1Dokun Oluwajana2Adacha Kwala3Department of Management Information Systems, Cyprus International University, Mersin, TurkeyDepartment of Management Information Systems, Cyprus International University, Mersin, TurkeyDepartment of Management Information Systems, Cyprus International University, Mersin, TurkeyDepartment of Management Information Systems, Cyprus International University, Mersin, TurkeyPurpose – This study examined the factors that affect attitudes and intentions for sustainable adoption of mobile financial services (MFS) in Nigeria. Design/methodology/approach – The study expands the Technology Acceptance Model (TAM) by incorporating constructs like perceived service quality, perceived ease of use, perceived usefulness, perceived credibility, perceived trust and attitude. It includes an empirical analysis with 382 participants and qualitative insights from semi-structured interviews to investigate the challenges and opportunities associated with MFS adoption in Nigeria. Findings – The findings show that perceived service quality, perceived usefulness and attitude positively influence the adoption of MFS. However, perceived ease of use and perceived credibility have little impact on adoption. Qualitative insights from Study 2 shed light on the challenges and opportunities as well as the reasons behind the insignificant effects of perceived ease of use and perceived credibility. Originality/value – This research stands out by using a mixed-methods approach, blending quantitative and qualitative analysis to provide a more detailed understanding of the factors influencing MFS adoption.https://www.emerald.com/insight/content/doi/10.1108/JIDT-01-2024-0001/full/pdfMobile financial servicesTechnological acceptance modelPerceived service qualityPerceived usefulnessEase of usePerceived credibility |
| spellingShingle | Labaran Isiaku Abubakar Sadiq Muhammad Dokun Oluwajana Adacha Kwala Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption Journal of Innovative Digital Transformation Mobile financial services Technological acceptance model Perceived service quality Perceived usefulness Ease of use Perceived credibility |
| title | Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption |
| title_full | Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption |
| title_fullStr | Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption |
| title_full_unstemmed | Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption |
| title_short | Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption |
| title_sort | making mobile financial services stick an empirical investigation into user attitudes and intentions for sustainable adoption |
| topic | Mobile financial services Technological acceptance model Perceived service quality Perceived usefulness Ease of use Perceived credibility |
| url | https://www.emerald.com/insight/content/doi/10.1108/JIDT-01-2024-0001/full/pdf |
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