Determining the mediating effects of trust on e-payment readiness in Ghana: Consumers’ Perspective Analysis

Determining the mediating effects of trust on e-payment readiness in Ghana: Consumers’ Perspective Analysis

Isaac Asare Bediako Patrick Acheampong, Li Zhiwen, Anthony Akai Acheampong Otoo, Henry Asante Antwi, Frank Boateng

Transitioning from a cash-based economy to digital or cashless economy requires that business entities build a more friendly customer relationship strategy whiles ensuring their security. This study sought to integrate trust and the Technology Readiness Index to determine their respective influence on e-payment adoption. The finds sheds light into how potential factors influencing e-payment adoption and for that matter measures to overcome these challenges. The study indicates that high personal optimism about technology in general leads to high trust of an e-payment technology. Further, high personal innovativeness about technology in general leads to higher trust of an e-payment technology. The findings suggest that low personal discomfort about technology in general leads to lower trust of an e-payment technology. Finally, it is established that low personal insecurity about technology in general leads to lower trust of an e-payment technology.

2018

https://scholar.google.com/citations?view_op=view_citation&hl=en&user=KuGpI3oAAAAJ&citation_for_view=KuGpI3oAAAAJ:hFOr9nPyWt4C

English