Journal of Business and Management Sciences
ISSN (Print): 2333-4495 ISSN (Online): 2333-4533 Website: http://www.sciepub.com/journal/jbms Editor-in-chief: Heap-Yih Chong
Open Access
Journal Browser
Go
Journal of Business and Management Sciences. 2018, 6(1), 6-11
DOI: 10.12691/jbms-6-1-2
Open AccessArticle

What about Acceptability of Mobile Money in Sub-Saharan Africa? The Case of Cameroon

Rosalie Christiane Nga Nkouma Tsanga1,

1Faculty of Economics & Management Sciences, University of Maroua, Cameroon

Pub. Date: January 05, 2018

Cite this paper:
Rosalie Christiane Nga Nkouma Tsanga. What about Acceptability of Mobile Money in Sub-Saharan Africa? The Case of Cameroon. Journal of Business and Management Sciences. 2018; 6(1):6-11. doi: 10.12691/jbms-6-1-2

Abstract

The purpose of this article is to identify the factors determining the satisfaction of the users of Mobile money. To do this, we used the triangular approach to collect as much information as possible and to improve the reliability and validity of our results. Thus, we conducted thirty semi-structured interviews and two hundred and thirty questionnaires. The results reveal the positive and statistically significant impact of speed, cost, mobiquity, perceived usefulness, safety and social influence, as well as the negative impact of interoperability, network quality and age.

Keywords:
mobile money satisfaction consumer behavior

Creative CommonsThis work is licensed under a Creative Commons Attribution 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by/4.0/

References:

[1]  Chen, S. C. (2012). To use or not to use: understanding the factors affecting continuance intention of mobile banking, International Journal of Mobile Communications, 10, 5, 490-507.
 
[2]  Morawczynski, O. & Miscione G. (2008). Examining trust in mobile money transactions. The case of M-Pesa in Kenya. In Social dimension of information and communication technology policy, Springer, 287-298.
 
[3]  Hossain, M. & Hossain, Y. (2015). Mobile banking and customer satisfaction: the case of Dhaka City, World Review of Business Research, Vol 5, N° 3, September Issue, 108-120.
 
[4]  Davis F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology, MIS Quarterly, 13(3), 319-339.
 
[5]  Schierz, P.G. & Al. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis, Electronic Commerce Research and Applications, 9, 209-216.
 
[6]  Yang, S. & Al. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits, Computers in Human Behavior 28, 129-142.
 
[7]  Lim, N. (2003). Consumers perceived risk: sources versus consequences, Electronic Commerce Research and Applications, 216-228.
 
[8]  Laforet, S. & Li, X. (2005). Consumer attitudes towards online and mobile banking in China, International Journal of Bank Marketing, Vol 23, Issue 5, 362-380.
 
[9]  Howcroft, B. & Al. (2002). Consumer attitudes and the usage and adoption of home-based banking in the United Kingdom, International Journal of Bank Marketing, Vol 20, Issue 3, 111-121.
 
[10]  Lu, J. & Al. (2005). Personal Innovativeness, Social Influences and Adoption of Wireless Internet Services via Mobile Technology, The Journal of Strategic Information Systems, 14, 3, 245-268.
 
[11]  Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services, Decision Support Systems, 54, 1085-1091.
 
[12]  Miranda, S. (2011). Systèmes d’information mobiquitaires. La mobiquité. Introduction: de l’utilisateur au nuage, Ingénierie des systèmes d’information, Vol.16 N°4, 7-13.
 
[13]  Ondrus, J. Pigneur Y. (2007). An Assessment of NFC for Future Mobile Payment systems, Proceeding of the International Conference on the Management of Mobile Business.
 
[14]  Fishbein, M.A. et Ajzen, I. (1975). Belief, attitude, intention and behaviour: an introduction to theory and research, Reading, MA, Addison Wesley.
 
[15]  Al-Majali & Al, (2011). Modelling the antecedents of Internet banking service adoption (IBSA) in Jordan: a Structural Equation Modeling (SEM) approach, Journal of Internet Banking & Commerce, Vol 16, Issue 1, 1-15.
 
[16]  Ajzen, I. (1985). From intention to action: a theory of planned behavior, In J. Kuhl J. Beckmann (Eds), Action control: from cognition to behavior, New York: Springer-Verlag.
 
[17]  Rogers, E.M. (1995). Diffusion of innovations, 4ème édition. New York, Free Press.
 
[18]  Brown, I. & Al (2003). Cell phone banking: predictors of adoption in South Africa – an exploratory study, International Journal of Information Management, 1, 23, 381-394.
 
[19]  Davis, F. D. & Al. (1989). User Acceptance of Computer-Technology: a Comparison of Two Theoretical-Models, Management Science, Vol 35, Issue 8, 982-1003.
 
[20]  Luarn, P. & Lin, H.H. (2005). Toward an understanding of the behavioral intention to use mobile banking, Computers in Human Behavior, Vol. 21, 873-891.
 
[21]  Amin, H. & Al. (2008). The Adoption of Mobile Banking in Malaysia: The Case of Bank Islam Malaysia Berhad , International Journal of Business and Society, Vol 9, N °2, 43-53.
 
[22]  Hasnaoui A. & Lentz F. M. (2011). Proposition d’un modèle d’analyse des déterminants de l’adoption et de l’usage des systèmes de paiement électronique B 2 C, Revue Management & Avenir, Vol 5, 45, 223-237.
 
[23]  Riquelme, H. & Rios, R. E. (2010). The Moderating Effect of Gender in the Adoption ofMobile Banking, International Journal of Bank Marketing, Vol 28, N°5, 328-341.
 
[24]  Puschel, J. & Al. (2010). Mobile Banking: Proposition of an Integrated Adoption Intention Framework, International Journal of Bank Marketing, Vol 28, N°5, 389-409.
 
[25]  Koening- Lewis & Al. (2010). Predicting Young Consumers’ Take up of Mobile Banking Services, International Journal of Banking Marketing, 28, 5, 410- 432.
 
[26]  Kim, G. & Al. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking, Information Systems Journal, Vol 19, N°3, 283-311.
 
[27]  Sripalawat, J. & Al. (2011). M-banking in metropolitan Bangkok and a comparison with other countries, The Journal of Computer Information Systems, Vol 51, N°3, 67-76.
 
[28]  Crabbe, M. & Al. (2009). An Adoption Model for Mobile Banking in Ghana, International Journal of Mobile Communications,7, 5, 515-543.
 
[29]  Wessels, L. & Drennan, J. (2010). An investigation of consumer acceptance of M-banking, International Journal of Bank Marketing, Vol 28, N°7, 547-568.
 
[30]  Dasgupta, S. & Al. (2011). Factors affecting behavioral intentions towards mobile banking usage: Empirical evidence from India, Romanian Journal of Marketing, Vol 3, N°1, p. 6-28.
 
[31]  Venkatesh, V. & Al. (2003). User acceptance of information technology: toward a unified view, MIS Quarterly, 27, 3, 425-478.
 
[32]  Samudra, M.S. & Phadtare, M. (2012), Factors Influencing the Adoption of Mobile Banking with Special Reference to Pune City , ASCI Journal of Management, vol°42, n°1, 51- 65.
 
[33]  Carlsson, C. & Al. (2006). Adoption of Mobile Devices/ Services-Searching for Answers with the UTAUT, In Proceedings of the 39th Hawaii international conference on system sciences.
 
[34]  Park, J. & Al. (2007). Adoption of Mobile Technologies for Chinese Consumers, Journal of Electronic Commerce Research, Vol 8, N°3, 196-206.
 
[35]  Tan, K.S. & Al. (2010). An evaluation of e-banking and mbanking adoption factors and preference in Malaysia: A case study, International Journal of Mobile Communications, Vol 8, N°5, 507-527.
 
[36]  Martins, C. & Al. (2013). Understanding the Internet Banking Adoption: A Unified Theory of Acceptance and Use of Technology and Perceived Risk Application, International Journal of Information Management, Vol 34, N°1, 1-13.
 
[37]  Chong, A.Y.L. (2013). Predicting m-commerce adoption determinants: A neural network approach, Expert Systems with Applications, Vol 40, 523-530.
 
[38]  Min, Q. & Al. (2008). Mobile Commerce User Acceptance Study in China: A Revised UTAUT Model, Tsinghua Science and Technology, Vol°13, N°3, 257-26.
 
[39]  Yu, C.S. (2012). Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the UTAUT Model, Journal of Electronic Commerce Research, Vol 13, N°2, 104-121.
 
[40]  Bhattacherjee, A. (2001). Understanding information systems continuance: an expectation confirmation model, MIS Quarterly, vol°25, N°3, 351-370.
 
[41]  Oliver, R.L. (1980). A cognitive model of the antecedents and consequences of satisfaction decisions, Journal of Marketing Research, vol. 17, 460-469.
 
[42]  Kano, N. & Al. (1984). Attractive quality and must bequality, Hinshitsu: The journal of Japanese Society for Quality Control, April, 39-48.
 
[43]  Parasuraman A. & Al. (1985). A conceptual model of service quality and its implication for future research, Journal of Marketing (Fall), 41-50.
 
[44]  Llosa S. (1997). Analyse de la contribution du service à la satisfaction: un modèle Tétraclasse, Décisions Marketing, 10, 81-88.
 
[45]  Jick, X. & Todd, D. (1979). Mixing qualitative and quantitative methods: triangulation in action, Administrative Science Quarterly, Vol 24, N° 4, 602-611.