Adoption Factors For Mobile Financial Services: Laggards And Early Adopters In Low-Income Countries

Authors

Solomon Negash, Kennesaw State University, Coles College of BusinessFollow
Petros B. Eshete, Addis Ababa University, IT PhD ProgramFollow
Peter Ractham, Faculty of Commerce and Accountancy, Thammasat UniversityFollow

Document Type

Article

Abstract

This paper evaluated low-income countries and identified adoption factors for mobile financial services (MFS) that are not covered by TAM (Technology Acceptance Model). From the literature we identified enabler and bottleneck factors that impact MFS adoption in low-income countries. We analyzed laggard and early adaptor countries to compare the factors. In our conclusion we identified thirteen MFS adoption factors and categorized them in a 2x2 metrics using enablers and bottlenecks vs. exogenous and endogenous. Further, we used the early adopter and laggard countries to understand how the MFS adoption strategy differed between the two groups. Future direction is provided.

Recommended Citation

Negash, Solomon; Eshete, Petros B.; and Ractham, Peter, "Adoption Factors For Mobile Financial Services: Laggards And Early Adopters In Low-Income Countries" (2011). ICEB 2011 Proceedings (Bangkok). 20.
https://aisel.aisnet.org/iceb2011/20