Trust and Continuance of Mobile Payment Use Intention: A Study Based on Structural Equation Modeling

Patrick Acheampong, Kofi Baah Boamah, Nana Agyeman-Prempeh, Frank Boateng, Isaac Asare Bediako and Ruhiya Abubakar
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Patrick Acheampong: Ghana Technology University College, Ghana
Kofi Baah Boamah: University of Professional Studies, Ghana
Nana Agyeman-Prempeh: Ghana Technology University College, Ghana
Frank Boateng: Ghana Technology University College, Ghana
Isaac Asare Bediako: Koforidua Technical University, Ghana
Ruhiya Abubakar: Ghana Technology University College, Ghana

Information Resources Management Journal (IRMJ), 2021, vol. 34, issue 1, 19-42

Abstract: The interactive nature of the internet has created many opportunities for mobile payment usage. In certain age groups and geographies, mobile payments have already unseated traditional means of effecting payment. In this study, 1,351 mobile payment users in Ghana were sampled using a structured questionnaire to investigate their intention to continue to use mobile payments technologies. The results showed that vendor reputation, word-of-mouth, and structural assurance significantly contribute to imbuing trust in mobile payment technology customers. When high levels of trust become identified with a brand, high numbers of customers choose to continue to use their current choice of mobile payment technology.

Date: 2021
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