<abstract xmlns="http://www.w3.org/1999/xhtml">

<p>The purpose of this quantitative research was to investigate the basis and perception of mobile money (MM) service among Nigerian university students. The paper adopted a positivistic ontology and descriptive survey design. Two hundred and fifty students from five universities in the southeast geopolitical zone of Nigeria were sampled. Results showed that perceived ease of use (PEOU), perceived usefulness (PU), perceived credibility (PCRED), and perceived risk (PR) had significant and positive relationship with behavioral intention. Given the results, these four fundamental issues must be central to inclusive mobile money-based financial service for Nigerian university students. The adoption of the technology acceptance model (TAM) by mobile network operators (MNO) and banks is critical to ensure acceptance of innovative and inclusive mobile-based financial service and success in the university student market.</p>
</abstract>

The purpose of this quantitative research was to investigate the basis and perception of mobile money (MM) service among Nigerian university students. The paper adopted a positivistic ontology and descriptive survey design. Two hundred and fifty students from five universities in the southeast geopolitical zone of Nigeria were sampled. Results showed that perceived ease of use (PEOU), perceived usefulness (PU), perceived credibility (PCRED), and perceived risk (PR) had significant and positive relationship with behavioral intention. Given the results, these four fundamental issues must be central to inclusive mobile money-based financial service for Nigerian university students. The adoption of the technology acceptance model (TAM) by mobile network operators (MNO) and banks is critical to ensure acceptance of innovative and inclusive mobile-based financial service and success in the university student market.

The Basics of a Mobile Money-Based Financial Service: Perceptions of University Students in Nigeria

Foundations of Management

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

The purpose of this quantitative research was to investigate the basis and perception of mobile money (MM) service among Nigerian university students. The...

		MM determinants	Behavioral intention
MM determinants	Pearson's correlation	1	572^**
	Sig. (two tailed)	–	0
	n	249	249
Behavioral intention	Pearson's correlation	572^**	1
	Sig. (two tailed)	0	–
	n	249	249

Item	Mean	SD	Factor loading	Item total correlation
Mobile money determinants Factor
PU	4.57	1.621	0.852	0.521
PEOU	4.46	0.433	0.781	0.454
PR	4.32	0.512	0.705	0.412
PCRED	4.12	1.132	0.699	0.399

	R	R²	Adjusted R²	F	B	T	Sig.
	0.721^a	0.512	0.474	21.162	---	---	0.000^b
PEOU					0.172	2.461	0.002
PU					0.188	3.212	0.001
PCRED					0.161	3.035	0.011
PR					0.157	2.482	0.021
(Constant)					---	2.637	0.005

The Basics of a Mobile Money-Based Financial Service: Perceptions of University Students in Nigeria

Pubblicato online: 18 dic 2021

Pagine: 209 - 218

DOI: https://doi.org/10.2478/fman-2021-0016

Parole chiave
mobile money service, university students’ behavioral intention, perceived ease of use, perceived usefulness, perceived credibility, perceived risk

© 2021 Cosmas Anayochukwu Nwankwo et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Pearson's correlation between determinants of MM (PEOU, PU, PCRED, and PR) and behavioral intention to use MM services (Source: IBM SPSS statistics version 25)

Exploratory factor analysis of the measurement of determinants of MM (PEOU, PU, PCRED, and PR) (Source: IBM SPSS statistics version 25)

Determinants of MM as predictors of behavioral intention (Source: IBM SPSS statistics version 25)

The Basics of a Mobile Money-Based Financial Service: Perceptions of University Students in Nigeria

Pubblicato online: 18 dic 2021

Pagine: 209 - 218

DOI: https://doi.org/10.2478/fman-2021-0016

Parole chiavemobile money service, university students’ behavioral intention, perceived ease of use, perceived usefulness, perceived credibility, perceived risk

© 2021 Cosmas Anayochukwu Nwankwo et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Pearson's correlation between determinants of MM (PEOU, PU, PCRED, and PR) and behavioral intention to use MM services (Source: IBM SPSS statistics version 25)

Exploratory factor analysis of the measurement of determinants of MM (PEOU, PU, PCRED, and PR) (Source: IBM SPSS statistics version 25)

Determinants of MM as predictors of behavioral intention (Source: IBM SPSS statistics version 25)

Parole chiave
mobile money service, university students’ behavioral intention, perceived ease of use, perceived usefulness, perceived credibility, perceived risk