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Currently, mobile payments have become pervasive in electronic commerce and are steadily increasing in many regions worldwide. In the literature, however, its continued usage among consumers is deemed equivocal, particularly among small businesses. This study uses the unified theory of acceptance and use of technology (UTAUT) to examine mobile money continuance intention among micro enterprises in an emerging/less-developed economy. This study aims to explore the mediating role of agent credibility on this relationship, given that these agents are contingent actors between service providers and mobile money users.

After a preliminary qualitative enquiry, quantitative data collected from 584 micro enterprises were tested from the UTAUT perspective, using structural equation modelling.

Findings from the study establish the applicability of the UTAUT in explaining the antecedents, motivations and continuance intention of mobile money usage among micro enterprises. Further, beyond their direct effects, the UTAUT conditions have indirect effects on the continuance intention through their effect on perceived agent credibility.

The findings provide evidence to issues of research and managerial interest, offering insightful implications to the academic and practitioner communities, respectively.

To examine the key factors that can engender initial trust in mobile money and to also determine whether initial trust can contribute to the perceived value of mobile money, use and recommendation intentions. More specifically, this paper, based on initial trust building model, aims to identify the institutional, cognitive and socially related factors enhancing initial trust in mobile money and its relationship with perceived value, use and recommendation intentions.

A self-administered questionnaire was used to collect data from 781 research participants. Variance-based structural equation modelling was used to examine the proposed research model.

This research shows the importance of the institutional factor of structural assurance, in conjunction with perceived firm reputation and communicability, in engendering initial trust in mobile money and, in turn, enhancing perceived value, use and recommendation intentions. The research further confirms the mediating influence of perceived value in the relationships between initial trust, use and recommendation intentions.

The originality of this work lies in the development and empirical confirmation of the research model and which together contributes to an increase understanding of initial trust building in mobile money acceptance. Value-wise, this work has the potential to inform managerial and public policy interventions by helping mobile money operators and policymakers’ rollout essential and even sophisticated financial services like borrowing using the mobile phone for the financially under-served in developing and trust-deficit settings.

This study aims to examine the effects of three aspects of perceived advantage (i.e. time-saving, money-saving and convenience) on Chinese consumers’ continuance usage intention and behavior of using tourism mobile applications (apps) in the context of Chinese society and culture.

Survey data were collected at 20 key tourist attractions in Jinan, China from tourists who visit the attractions. Structural equation modeling was applied to test the hypothetical model.

Empirical findings revealed that time-saving directly affected consumers’ continuance usage intention but did not influence user behavior; on the contrary, money-saving had a direct effect on user behavior, but not on intention. Convenience was found to affect both intention and behavior and had a much stronger total effect on user behavior than time-saving and money-saving.

The study findings offer insights into the further development of tourism mobile apps. While money-saving can be an effective marketing offer for user adoption of tourism mobile apps, tourism mobile apps operators should further tap into the value of time and convenience in designing and developing tourism mobile apps.

The study expands on practical knowledge of Chinese consumers’ behavior toward using tourism apps.

The purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.

The study used 294 survey responses from mobile money users in Ghana. The data were analysed using fuzzy set qualitative comparative analysis (fsQCA).

The findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.

Managers and financial service organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.

The study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise the unified theory of acceptance and use of technology (UTAUT) in fsQCA to extend the mobile money literature.

The purpose of this paper is to examine the drivers of consumer engagement and its consequences via the experiences of mobile money services’ users in Ghana and to discuss its implications for the society, financial service innovation, delivery and operations.

A pre-tested survey instrument was used with a sample of 595 mobile money services users in Ghana. SmartPLS application was used to analyze the data and report findings.

The study shows that perceived risk, consumer empowerment, subjective norm, performance expectancy and effort expectancy influence the affect component of consumer engagement and explain around half of its variance. The effect of perceived risk on consumer engagement was counterintuitive. Perceived risk was significant and positive for cognitive processing, whereas the effect was significant but negative for affect. The authors found support for the positive effect of cognitive processing on advocacy intention but no support for its effect on continuous usage. By contrast, affect strongly influenced both advocacy intention and continuous usage of mobile money services.

The authors highlight the implications of mobile money services to business and marketing/service managers, policy makers, non-banking entities (such as telecoms and financial technology firms) and to the society in general. The authors provide important insights into how service providers can manage consumer engagement process and formulate marketing strategies to target and promote this simple, but innovative service to consumers. Moreover, the authors discuss the societal implications of the study in Ghana, a developing country. The authors recommend several options for future studies in order to stimulate the research agenda on mobile financial services in general.

The present study shows that although mobile money was initially introduced to help consumers who hitherto have no access to formal banking services, this form of banking has become increasingly popular among various consumer segments as its usage and adoption has increased multifold largely in emerging and developing countries. The main contribution of this study is the development and testing of the “mobile money customer engagement model.” Moreover, this study shows the key factors that influence the engagement process and the effects of these factors as analyzed within the context of a developing country.

This study makes an integrated approach in identifying the factors affecting usage intention of mobile-based payment services. Such services are being marketed aggressively by cellular service providers and are different from usual mobile-based banking. The study incorporates prominent factors like the technical characteristics, technology-specific characteristics, user-specific characteristics, and task-specific characteristics and others from published literature. The purpose of this paper is to highlight those factors which have significant impact on the adoption of such service so that the adoption rate can be increased.

A nationwide primary survey was conducted using validated questionnaire requesting response for the factors obtained from published literature. In total, 196 respondents participated in the survey. Totally, 11 hypotheses were formulated and statistically tested for their significance in context to the study. Confirmatory study was on the significant factors and a model has been proposed.

The study finds that factors like perceived usefulness, perceived ease of use, system quality, connectivity, discomfort, task-technology fit and structural assurance have significant impact on the usage intention of mobile money services whereas factors such as perceived monetary value, absorptive capacity and personal innovativeness have been found to be insignificant.

There have been no studies conducted which reported mobile-based transfer payment adoption issues where-in the transfer mechanism is independent of formal banking. The findings would be beneficial for service providers of mobile-based payment services to understand their subscribers and roll out value added services.

Recently, traditional financial institutions are facing strong competition from disruptive innovators (Fintech firms) forcing them to increasingly invest in new IT solutions to maintain their competitive edge. However, there are still advantages that traditional financial institutions enjoy, of which the primary one may be reputation. Surprisingly, the firm reputation link to use intention has not received much attention in the literature, prompting this research. The purpose of this study is to examine the firm reputation link to use intention in the context of mobile banking.

The results are based on a survey of 783 participants in Vietnam.

The study confirmed that reputation plays an important role in promoting use intention for mobile banking. Additionally, perceived risk and trust are also linked to perceived usefulness (PU) and perceived ease-of-use (PEOU).

This study is among the first to link perceived risk and trust to PU and PEOU in a mobile banking context. Based on the Theory of Reasoned Action, the study adds to the literature by connecting two separated research themes: technology adoption and reputation. It also suggests avenues for both traditional banks and Fintech firms to set their business strategies to enhance their reputation or collaborate for mutual benefits.

The purpose of this paper is to empirically examine the factors that influence a consumer’s attitude and intention to use mobile wallets using a sample representative of Indian users.

A multidisciplinary model is proposed, building on the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) and other relevant research on factors, which influence technology adoption. A synthesis of review of literature on factors influencing technology adoption besides two focus group discussions (FGD) was used as a design a pilot instrument. A nationwide primary survey was conducted using the questionnaire. Convenience sampling was used to select the respondents. In total, 744 respondents participated in the survey, and 17 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model.

The results show that factors like perceived ease of use (PEOU), perceived usefulness (PU), trust, security, facilitating conditions and lifestyle compatibility have a significant impact on the consumer attitude and intention to use mobile wallets. Of the proposed 17 hypotheses, 15 were accepted. Ease of use significantly influenced usefulness and trust, whereas PU significantly influenced trust, attitude and intention. Security and trust were found to be play an important role in determining trust.

This study examines the perception of students and working professional from large Indian cities. A larger representative sample encompassing balanced representation from urban and rural India could enhance the scope and widen the application of the results across larger target groups. This study analyzes data at a specific point in time. Considering the rapidly changing rate of adoption of mobile wallets, a longitudinal study could, therefore, be conducted. Furthermore, the possibility of including other antecedents like relative advantage, perceived benefits, personal innovativeness among other factors, which have not been addressed here can be explored. Also, additional research can help examine the role of demographics in adoption of mobile wallets including its moderating effect.

As security and trust emerged as important constructs for acceptance of mobile wallets, there is a need for developing an integrated robust, reliable and secure infrastructure. A joint think tank involving key stakeholders (financial institutions, mobile wallet providers, government, security experts, etc.) should propose guidelines to ensure safe and secure transactions. The findings have managerial implications, which can guide companies offering mobile wallets to enhance usage and adoption of such services.

Mobile wallets have provided newer digital payment avenues to consumers while offering companies and marketers greater opportunities to market their products and services, online. However, not much is reported about the adoption of mobile wallets in India. The study is perhaps the first in India to examine the adoption of mobile wallets using a larger sample in comparison to earlier studies. The study proposes and validates additional constructs, which were not present in the original model.

In the global migration crisis COVID 19 had devastating consequences. Workers were confined to their locations due to travel restrictions and working from home became “working away from home” for millions of migrant workers. Mobile financial services emerged as key to livelihood of the mobile remittance recipients. It is essential for service providers to gain insights of users' motives to use mobile remittance services.

This study proposed the model by extending unified theory of acceptance and use of technology (UTAUT) model and integrating by perceived cost (PC) and perceived security (PS). Based on the survey data (n = 344) the proposed model was tested using analysis of variance (ANOVA) analysis.

The findings reveal that performance expectancy, effort expectancy, PC and PS affect the users' behavioral intention (BI) to use mobile remittance applications. Social influence nonsignificantly affects the BI and there is no significant influence of facilitating conditions on user behavior.

The volume of migrant workers preCOVID 19 reached 3.5% of the global population, the shear number of unprotected workers plunged into devastation by the COVID-19 impact is huge to cause an economic meltdown. Under the pandemic crisis conditions, the findings provide several practical implications on how service providers could improve their products and services to increase mobile remittance applications usage.

This paper presents a qualitative study on mobile banking technology acceptance by the rural unbanked. The number of mobile phone users has long exceeded the number of people with bank accounts across the world. The purpose of this paper is to determine the factors that will affect the acceptance of mobile banking by the rural unbanked.

The main purpose of this qualitative research is to discover the deeper motivations and associations that underlie an unbanked consumer's intentions to adopt mobile banking services. The use of open‐ended questions in the group discussions allowed participants to explain, comment and share experiences, attitudes, opinions, and beliefs, with specific focus on the consumer (his cognition and emotions as a result of the consumption intentions). Focus groups provide an opportunity to capture the meaning that consumers give to different aspects of reality they live in through group dynamics and interactions.

The findings of the study indicate that perceived usefulness and perceived ease of use from the technology acceptance model, economic factors and trust influence the rural unbanked's intention to adopt and use mobile banking services.

Although the qualitative study brings out the underlying motives of the rural unbanked, it does not statistically test the extension of the technology acceptance constructs and its antecedents that are discovered. Also, there was a limitation in the use of language and transcribing from a native language into English.

The demand for mobile banking services by the unbanked can be linked to their demand for savings and loan services. Therefore, for successful adoption of mobile banking by the unbanked, operators should promote the use of mobile banking services for savings and loans. Firms should further consider educating consumers through demonstrations and training to better equip them to master mobile banking systems. Once consumers feel more competent in utilizing the system, they would find it easier to use and will be encouraged to use it.

The value of the paper lies in the use of a focus group discussion to unveil new determinants of technology acceptance by the rural unbanked and the identification of convenience and affordability as antecedents to perceived usefulness.