Study on Factors Affecting Mobile Payment Systems Diffusion in Zambia
基于扩展的技术接受模型，通过问卷调查152名赞比亚用户，发现感知易用性、感知有用性和社会规范显著正向影响移动支付使用意愿，而感知成本和感知风险有负向影响但不显著。
Advancements in mobile technologies have led to an increased uptake of smart phones. This has led to a growing trend in mobile payment (m-payment) activities. However, Zambia’s mobile payment services have not evolved in step with mobile devices’ penetration rate. This study sought to examine consumer’s behavioral intention to use or not-use m-payment services through the applicability of the extended Technology Acceptance Model (TAM). A self-administered questionnaire was distributed to current-users, capable-users, regulators, and bank staff. 152 participants completed the survey questionnaires measuring their responses on likert-scale to Perceived usefulness (PU), Perceived ease of use (PEOU), Perceived risk (PR), Social norm (SN), Perceived cost (PC) and Behavioral intention to use (BIU), representing a response rate of 84.4 percent. SPSS analysis yielded a model linear regression Pearson correlation coefficient (R) value of 0.8, R2 of 0.56 and significance (p) value of 0.0001 indicating a significant model with very strong relationship among variables. The R values for independent factors PEOU, PU and SN against dependent variable BUI were positive with significance (p) values of 0.0001 (p<0.05) representing a scientifically and statistically significant positive influence on BUI, whilst PC(-.071) and PR(-.047) were insignificant though had negative coefficient values representing a deterrent influence on use of m-payment. This study successfully extended TAM for use to predict consumer behavioral intention to adopt m-payment services in Zambia.