Earticle

초록

영어

Despite the widespread availability of mobile money in Sub-Saharan Africa, cash remains the dominant medium for daily transactions, revealing a persistent behavioral gap between access and consistent usage. This study investigates the factors driving a transition from cash dependence to increased mobile money usage for daily transactions. Guided by the Push–Pull–Mooring framework, we analyze survey data from 199 current mobile money users in SSA using PLS-SEM via SmartPLS 4.1. The findings show that trust and perceived benefit are key predictors of the intention to increase mobile money usage, linking push, pull, and mooring forces. Among pull factors, self-efficacy and perceived usefulness enhance perceived benefits, while among push factors, transaction inconvenience with cash strengthens trust in mobile money. Additionally, the social acceptability of cash emerges as a strong negative mooring factor, reducing perceived benefits. This study extends the PPM framework by introducing social acceptability as a distinct construct and adapting it to the low-trust, cash-centric context of SSA. Practical implications emphasize the importance of building trust, enhancing perceived benefits, addressing social barriers, and improving digital literacy. The study contributes to the literature on digital financial inclusion by uncovering mechanisms for promoting consistent mobile money use in developing economies.

키워드

저자

• Sllife Nyazabe Nyazabe [ Graduate School of Global Digital Innovation, College of Business, KAIST 193 Munji-ro, Yuseong-gu, Daejeon, 34141, South Korea ]
• Chul Ho Lee [ School of Business and Technology Management, College of Business, KAIST 291 Daehak-ro, Yuseong-gu, Daejeon, 34141, South Korea ]
• Kyung Young Lee [ Dalhousie University, Canada, Kenneth C. Rowe Management Building 6100 University Avenue PO Box 15000 Halifax, Nova Scotia, Canada B3H 4R2 ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  한국경영정보학회 정기 학술대회 [KMIS Conference]

• 간기

  반년간

• 수록기간

  1990~2025

• 십진분류

  KDC 325 DDC 658