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Paper Type

ERF

Paper Number

1414

Description

Mobile Money Services are essential for dealing with transactions in today's digital economy. The use of mobile money services is an essential contributor to financial inclusion and economic development in developing countries. Unfortunately, the service has become a platform for fraud and other risky online activities. It is therefore imperative for users to rely on behaviors that protect their mobile money wallets in order to continuously use the service. However, there is no empirical evidence on this in the literature. This study therefore intends to investigate the effects of user security behaviors on the continuance use of mobile money services in Ghana. To do this, our study seeks to develop a conceptual model based on the protection motivation theory and validate it using survey data from mobile money users in Ghana and structural equation modelling. Findings from this study are intended to make major contributions to research, practice and policy. Keywords security behavior, continuance use, mobile money services, protection motivation.

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Aug 10th, 12:00 AM

Examining the Effect of Security Behavior on the Continuance Use of Mobile Money Services in Ghana: A protection Motivation Perspective

Mobile Money Services are essential for dealing with transactions in today's digital economy. The use of mobile money services is an essential contributor to financial inclusion and economic development in developing countries. Unfortunately, the service has become a platform for fraud and other risky online activities. It is therefore imperative for users to rely on behaviors that protect their mobile money wallets in order to continuously use the service. However, there is no empirical evidence on this in the literature. This study therefore intends to investigate the effects of user security behaviors on the continuance use of mobile money services in Ghana. To do this, our study seeks to develop a conceptual model based on the protection motivation theory and validate it using survey data from mobile money users in Ghana and structural equation modelling. Findings from this study are intended to make major contributions to research, practice and policy. Keywords security behavior, continuance use, mobile money services, protection motivation.

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