Impact of Consumer Multidimensional Online Trust-Risk in Adopting Togolese Mobile Money Transfer Services. Structural Equation Modelling Approach
Journal Title: Journal of Economics, Management and Trade - Year 2017, Vol 19, Issue 2
Abstract
Mobile money transfer (MMT) services could generate an extra revenue source for both banks and telecom services providers. Hitherto, this expectation is sluggish to emerge in Togo obviously. The determinants of MMT acceptance seem unrevealed because of consumer trust and perceived risk from the online platform. The research broadens this issue by concurrently groping multidimensional trust and multifaceted perceived risk. A sample was collected from the populace of Lomé –Togo which yielded 538 valid questionnaires. Directed by the conceptual framework, twelve hypotheses were proposed and tested employing structural equation modelling (SEM) techniques. Results revealed all trust antecedents (dispositional, technology, and vendor) trust to have a strong positive influence on trust. It is disclosed that perceived privacy risk is not only an utmost dominant factor for perceived risk but also the overall result. However, no statistical significance was shown validating perceived time risk on aggregate perceived risk, similar to the cost perception towards trust construct. While Trust negatively influences perceived risk, both factors with their antecedents found to explain the acceptance of MMT among Togolese consumers efficaciously. It enlightens further on the direction of the trust-risk relationship. The findings were discussed along with various implications and future research.
Authors and Affiliations
Komlan Gbongli, Tamas Csordas, Kingsford Kissi Mireku
Keywords
Related Articles
- EP ID EP319915
- DOI 10.9734/JEMT/2017/36745
- Views 68
- Downloads 0
Energy Evaluation of Maize (Zea mays L.) under Irrigated and Un-irrigated Conditions. Division of Agronomy-SKUAST Kashmir
Data with respect to yield was taken from Ph.D student Division of Agronomy Shalimar Campus of Sher-e-Kashmir University of Agricultural Sciences and Technology of Kashmir Experiment was conducted during 2012 and 2013 un...
The Enigma of the Income Tax
The objective of this paper is to propose an alternative formulation of income tax that is based on simultaneous utility maximization of both the taxpayer and the government. This method is different from both the fixed...
Industrial Sector Growth and Public Infrastructure Capital in Nigeria
Policy makers in Nigeria tend to regard public infrastructure as the key to long-run industrial and economic growth. But unfortunately, public infrastructure in Nigeria is typically in a fairly poor condition. Poor infra...
Working Capital Financing Policy and Profitability: Empirical Study on Bangladeshi Listed Firms
Aims: For any manufacturing organization, working capital management decision is considered to be one of the crucial managerial decisions. In the working capital management process, an aggressive financing policy uses hi...
The Internal Control Systems of GN Bank- Ghana
GN Bank is one of the numerous universal banks in Ghana. A bank is considered a universal bank if it is licensed with a license ‘A’ by the Bank of Ghana. Some of the universal banks in Ghana are GCB Bank, HFC Bank, First...