Study on influential factors of mobile payment systems diffusion in Zambia: A nfc-micro sd perspective
| dc.contributor.author | Lesa, Ernest | |
| dc.date.accessioned | 2017-08-22T09:41:35Z | |
| dc.date.available | 2017-08-22T09:41:35Z | |
| dc.date.issued | 2016 | |
| dc.description | Master of Engineering in Project Management | en |
| dc.description.abstract | Advancements in mobile technologies have led to an increased uptake of smart phones globally and users are tethered to their mobile devices to an extent unmatched by any other technology in the past. This has led to a growing trend in mobile payment (m-payment) activities. However, Zambia’s mobile payment services have not evolved in step with mobile devices’ penetration rate. This empirical study sought to examine consumer’s behavioral intention to use or not-use m-payment services through the applicability of the renowned extended Technology Acceptance Model (TAM) framework. A self-administered questionnaire was developed and distributed to current-users, capable-users, regulators, bank staff and merchants within Lusaka. A total of 152 participants completed the survey questionnaires measuring their responses to Perceived usefulness (PU), Perceived ease of use(PEOU), Perceived risk(PR), Social norm(SN), Perceived cost(PC) and Behavioral Intention to Use(BIU), representing a response rate of 84.4 percent. SPSS was used to analyse results yielding a model linear regression Pearson correlation coefficient(R) value of 0.8 and significance (p) value of 0.0001 indicating a significant model with very strong relationship among variables. The R values for independent factors PEOU, PU and SN against dependent variable BUI were positive with significance(p) values of 0.0001(p<0.05) representing a scientifically and statistically significant positive influence on BUI, whilst PC(-.071) and PR(- .047) had negative coefficient values representing a deterrent influence on use of mpayment. The research further demonstrated that technological factors of NFC-Micro SD influenced the Pearson coefficients of PC(.124) and PR(.285) to change in the direction against negative influence. This study showed that the Model can be used to predict behavioral intention to use of m-payment providing insights into strategies to design and deploy m-payment services that may yield higher consumer adoption for m-Payment services in Zambia. | en |
| dc.identifier.uri | http://dspace.unza.zm/handle/123456789/4847 | |
| dc.language.iso | en | en |
| dc.publisher | University of Zambia | en |
| dc.subject | Electronic funds transfers. | en |
| dc.subject | Mobile commerce. | en |
| dc.title | Study on influential factors of mobile payment systems diffusion in Zambia: A nfc-micro sd perspective | en |
| dc.type | Thesis | en |