An application of the extended Technology Acceptance Model in understanding technology-enabled financial service adoption in South Africa

John P Wentzel, Krishna Sundar Diatha and Vss Yadavalli

Development Southern Africa, 2013, vol. 30, issue 4-5, 659-673

Abstract: The last 10 years have seen a significant increase in the provision of consumer services through technology. Computers, mobile phones, the Internet and self-service kiosks are examples of technology platforms that have enabled services to be offered to consumers in new ways. In South Africa, technology-enabled financial services have the potential to expand financial inclusion, especially at the bottom of the pyramid. There is a need to understand how consumers adopt technology-enabled services. Using grounded theory, an enhancement to the Technology Acceptance Model is proposed and developed to explain adoption of technology-enabled financial services. Confirmatory factor analysis is used to validate the model against data obtained from a survey. The proposed model fits the data well. Implications of the model are discussed.

Date: 2013
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DOI: 10.1080/0376835X.2013.830963

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