Effects of a Technological-Organizational-Environmental Factor on the Adoption of the Mobile Payment System

• 발행기관: 한국유통과학회
• 저자명: Gyamfi-Yeboah KWABENA Qiang MEI Touseef Hussain GHUMRO Wenyuan LI Daria ERUSALKINA
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 8 No.2, 329~338쪽, 전체 10쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2021.02.28

영문 초록

The mobile payment system has not only changed the payment pattern but also has improved the performance of small and medium- sized enterprises (SMEs) and individuals’ quality of life by saving their energy, reducing the risk of taking cash, and enabling them to give more time to businesses and do international business. Besides, with the current advancement in the Internet as well as the digital transformation, SMEs are being forced to adopt mobile payment systems (MPS). The purpose of this study is to investigate the effects of technological-organizational-environmental (TOE) determinants on the adoption of MPS and its impact on SMEs’ firm performance operating in Ghana. This research employed a closed-ended questionnaire to collect data from January 2020 – April 2020. This study used a structural equation modeling (SEM) approach using SmartPLS 3.0 for path analysis of 145 responses. The findings of the study include the statistically significant effects of technological (relative advantage and compatibility), organizational (top management support and employees’ readiness), and environmental (social influence and competitive pressure) factors on the adoption of MPS. Furthermore, this study also proved the positive and statistically significant effect of MPS on SMEs’ performance. This study demonstrated that the TOE factor explains 70% variations in the adoption of MPS.

목차

1. Introduction

2. Literature Review

3. Methodology

4. Results and Discussion

5. Conclusion

키워드

Keyword: Mobile Payment System Small and Medium-Sized Enterprises Firm Performance Technological-Organization-Environmental Factors