Factors Affecting Yemeni Women’s Use of Mobile Money Technology

Sadeq Al Azazi
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Abstract

The study aimed to investigate the factors affecting Yemeni women's use of mobile money technology, through a set of variables derived from the unified theory of acceptance and use of technology. A descriptive analytical approach was used, and a questionnaire was designed to collect data from a sample of (401) of Yemeni women users and non-users of mobile money technology. The data was analyzed using simple, multiple, stepwise regression and structural modeling to test the study model. The results showed that the factors (innovation adoption, perceived enjoyment of Try and use, social influence, financial and technological knowledge, ease of use, trust and privacy, compatibility, perceived usefulness) collectively explained 78% of the variance in the dependent variable represented by (Yemeni women's use of mobile money technology). It also showed a positive statistically significant impact of the independent variables (compatibility, perceived enjoyment of Try and use, perceived usefulness, trust and privacy) on Yemeni women's use of mobile money technology. While the impact of the factors (innovation adoption, social influence, financial and technological knowledge, ease of use) was statistically insignificant. The study recommended the need for financial and technological awareness for Yemeni women and highlighting the importance of their use of mobile money technology and spreading awareness of its benefits to increase women's usage rates.
影响也门妇女使用移动支付技术的因素
本研究旨在通过从接受和使用技术的统一理论中得出的一系列变量,调查影响也门妇女使用移动支付技术的因素。研究采用了描述性分析方法,并设计了一份调查问卷,从移动支付技术的也门女性用户和非用户(401 人)样本中收集数据。采用简单、多元、逐步回归和结构模型对数据进行了分析,以检验研究模型。结果显示,各因素(创新采用、感知到的尝试和使用乐趣、社会影响、金融和技术知识、易用性、信任和隐私、兼容性、感知到的有用性)共同解释了因变量(也门妇女使用移动支付技术)78%的方差。研究还显示,自变量(兼容性、试用和使用的感知乐趣、感知有用性、信任和隐私)对也门妇女使用移动支付技术有积极的统计意义上的影响。而其他因素(创新采用、社会影响、金融和技术知识、易用性)的影响在统计上并不显著。研究建议,需要提高也门妇女的金融和技术意识,强调她们使用移动支付技术的重要性,并宣传其好处,以提高妇女的使用率。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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