Exploring Consumers’ Intention to Adopt
Mobile Payment Systems in Ghana

Exploring Consumers’ Intention to Adopt
Mobile Payment Systems in Ghana

Robert Ebo Hinson

In this paper, the authors examined consumers’ intention to adopt and use mobile payment methods in
Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct
survey using structured questionnaire. Structural equation modeling was used to analyse the data
through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment
system adoption indicate that perceived security, attitude, and perceived usefulness play active roles
in consumer decisions to adopt mobile payment methods in Ghana. Also, perceived usefulness and
perceived ease of use have a significant and positive influence on consumer’s attitude towards mobile
payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived
ease of use of mobile payment adoption in Ghana. The study contributes to the literature on mobile

This article published as an Open Access Article distributed under the terms of the Creative Commons Attribution License

https://www.igi-global.com/gateway/article/full-text-pdf/285547&riu=true

English