影响采用移动金融服务增强普惠金融的因素:使用结构方程模型进行决策

Baba Kura Bashir, Tijjani Muhammad
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引用次数: 0

摘要

本研究旨在考察移动金融服务与普惠金融之间的关系。利用与技术接受模型相关的修正假设,采用理性行为理论和计划行为理论对假设关系进行检验。该研究采用定量方法,220名受访者在线参与调查,了解他们对移动金融服务在促进普惠金融方面的看法。采用方便抽样的方法选择合适和需要的研究参与者。该研究关注的是使用手机银行的手机用户对其作为一项银行服务的有用性的看法。研究结果表明,社会影响力、绩效预期、风险感知和信任感知与移动金融服务和增强普惠金融显著相关。研究发现,移动银行客户与设备的互动越多,移动金融服务的发展和接受创新技术和便利服务的程度就越高,他们采用的可能性也越大。这项研究对现有的移动金融服务知识体系做出了重大贡献。通过自变量分析移动金融服务与普惠金融之间的关系强弱。这提供了重要的见解和分析,可以影响其他关系和模型的结果。一个值得注意的限制是低估农村人口在本研究中是非常重要的。未来的研究应该提供更大的农村移动银行用户样本。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
FACTORS INFLUENCING THE ADOPTION OF MOBILE FINANCIAL SERVICES IN ENHANCING FINANCIAL INCLUSION: USING STRUCTURAL EQUATION MODELING FOR THE DECISION-MAKING APPROACH
The study aims to examine the relationship between mobile financial services and financial inclusion. Using modification hypotheses related to the technology acceptance model, the theory of Rational Behavior, and the Theory of Planned Behavior were adopted to test hypothesized relationships. The study employed a quantitative approach whereby 220 respondents participated in the survey online, accessing the view on mobile financial services in promoting financial inclusion. Convenience sampling was adopted to select appropriate and needed participants for the study. The study focused on the perception of the mobile users that use mobile banking regarding its usefulness as a banking service. The findings indicate social influence, performance expectancy, risk perception, and trust perception are significantly related to mobile financial services and enhance financial inclusion. The study found that the more mobile banking customers interact with devices, the more mobile financial services grow and accept innovations towards technology and convenient service, and the more likely they are to adopt it. The study contributed significantly to the existing body of knowledge through mobile financial services. The strength of the relationship between mobile financial services and financial inclusion through the independent variables. This provides essential insights and analysis that can influence the outcome of other relationships and the model. A notable limitation is the underestimation of the rural population in this study is significantly important. Future studies should provide larger rural samples of mobile banking users.
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