Final published version
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Research output: Contribution to Journal/Magazine › Journal article › peer-review
Research output: Contribution to Journal/Magazine › Journal article › peer-review
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TY - JOUR
T1 - Fostering Financial Inclusion in a Developing Country: Predicting User Acceptance of Mobile Wallets in Cameroon
AU - Wamba, S F
AU - Queiroz, M M
AU - Blome, Constantin
AU - Sivarajah, U
PY - 2021/7/1
Y1 - 2021/7/1
N2 - Financial inclusion is a vital development priority for countries worldwide. Mobile wallet (m-wallet) is considered as a disruptive payment method that will substitute the traditional physical wallet to achieve the so-called cashless society and enables financial inclusion. This study aims at developing and testing a research model that integrates a set of technology factors (perceived usefulness, perceived ease of use, fun to use, monetary value), external factors (peer influence and perceived status benefit), and cultural factors (humane orientation and societal collectivism) to assess the intention to adopt and use m-wallet, for financial inclusion, in a developing country. The proposed conceptual model is tested using data collected from 621 m-wallet users in Cameroon. The model explains 47.5% of the variance of the actual use of m-wallet and 32.90% of the variance of financial inclusion. Eight out of the 10 proposed hypotheses were supported. Finally, implications for research and practice are discussed.
AB - Financial inclusion is a vital development priority for countries worldwide. Mobile wallet (m-wallet) is considered as a disruptive payment method that will substitute the traditional physical wallet to achieve the so-called cashless society and enables financial inclusion. This study aims at developing and testing a research model that integrates a set of technology factors (perceived usefulness, perceived ease of use, fun to use, monetary value), external factors (peer influence and perceived status benefit), and cultural factors (humane orientation and societal collectivism) to assess the intention to adopt and use m-wallet, for financial inclusion, in a developing country. The proposed conceptual model is tested using data collected from 621 m-wallet users in Cameroon. The model explains 47.5% of the variance of the actual use of m-wallet and 32.90% of the variance of financial inclusion. Eight out of the 10 proposed hypotheses were supported. Finally, implications for research and practice are discussed.
KW - Acceptance
KW - Actual Use
KW - Adoption
KW - Cameroon
KW - Cultural Factors
KW - Financial Inclusion
KW - Mobile Wallet
KW - TAM
U2 - 10.4018/JGIM.20210701.oa9
DO - 10.4018/JGIM.20210701.oa9
M3 - Journal article
VL - 29
SP - 195
EP - 220
JO - Journal of Global Information Management
JF - Journal of Global Information Management
SN - 1062-7375
IS - 4
M1 - 4
ER -