Examining the intervening role of age and gender on mobile payment acceptance in Ghana: UTAUT model

Examining the intervening role of age and gender on mobile payment acceptance in Ghana: UTAUT model

Patrick Acheampong, Li Zhiwen, Kamal Kant Hiran, Obobisa Emma Serwaa, Frank Boateng, Isaac Asare Bediako

The internet is by far one of the novel technologies that has shaped and supported all human endeavors. The phenomenal growth of the internet has been the backbone to the development of other cutting-edge technologies of which mobile payment is not an exception. The emergence of wireless technology and smartphones has brought to consumers an extraordinary way of carrying out day-to-day activities. These mobile and smartphones technology have become the driving force of many businesses today. Mobile payment provides ubiquity and offers a very convenient way for consumers to conduct transactions anytime and anywhere over wireless telecommunications networks. The sole intention of this study was to examine the moderating effects of age and gender on electronic payment based on the Unified Theory of Acceptance and Use of Technology (UTAUT) theoretical model. Using a sample of 1098 respondents, we collected and analysed the data by employing regression. The results confirm that “performance expectancy”, effort expectancy for male respondents were higher than the mean for female respondents while the mean score of the variable for social influence for female is higher than the male respondents. On the other hand, the findings statistically concluded that the moderating effect of age was significant.

2018

https://scholar.google.com/citations?view_op=view_citation&hl=en&user=KuGpI3oAAAAJ&citation_for_view=KuGpI3oAAAAJ:qUcmZB5y_30C

English