- Title
- Consumer use of Mobile Payments as a mode of remittance for e-Commerce in a developing economy
- Creator
- Liwani, Samkelo
- Subject
- Mobile commerce -- South Africa
- Date Issued
- 2020
- Date
- 2020
- Type
- Thesis
- Type
- Masters
- Type
- MBA
- Identifier
- http://hdl.handle.net/10948/48731
- Identifier
- vital:41066
- Description
- E-commerce is penetrating emerging economies in sub-Saharan Africa as customers seek convenient shopping experiences that offer high quality products. This has led to the emergence of e-commerce, a borderless channel, which both regionally local and international retailers have exploited. The low income market segment of e-commerce customers has been found to be apprehensive of e-commerce due to trust concerns over card-mandating payment solutions, living a large unbanked market in developing economies excluded from the e-commerce experience due to a lack of inclusive electronic payment systems. Mobile payment systems offer a source of distinctive value for both merchants and consumers, thereby increasing the e-commerce market. Due to their high level of adoption, mobile payments are capable of providing a mode for reaching new market segments and opening opportunities to bring value propositions to segments that had been unreachable in the past. This study sought to uncover the perception of consumers in an emerging economy about the use of mobile payments as a mode of remittance in e-commerce transactions. This was done by describing the factors that influence the intention to use mobile payments on internet stores. The study also investigated the effect of demographic profile on intention and use in the South African context. An online questionnaire was developed and distributed to a convenience sample of retail consumers on social media platforms, and the collected data was analysed using the SPSS statistical package. The results confirmed that compatibility, personal innovativeness, perceived trust, perceived regulatory support, and promotional benefit have a direct influence to intention to use mobile payments as a mode of remittance for e-commerce transactions. Furthermore, social influence does not have a direct influence on intention to use mobile payments in the South African context. The results also revealed that, in South Africa, the largest population group, male and female gender groups do not differ in their opinion around mobile payments. The study findings illustrate the importance of context when considering technology innovation introduction to a new market. Despite social influence not being found to be a factor for intention to use mobile payments in the South African context, the same conclusion should not be generalised as it is contextual. Recommendations and conclusions were drawn from the discussion of the findings of this research.
- Format
- 90 leaves
- Format
- Publisher
- Nelson Mandela Metropolitan University
- Publisher
- Faculty of Business and Economic Sciences
- Language
- English
- Rights
- Nelson Mandela Metropolitan University
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| Thumbnail | File | Description | Size | Format | |||
|---|---|---|---|---|---|---|---|
| View Details Download | SOURCE1 | Liwani, SG 216903165 Treatise April 2020.pdf | 2 MB | Adobe Acrobat PDF | View Details Download |