The Moderating Effects of Occupation on Mobile Money Services Adoption in Ethiopia

Abstract

The usage of mobile money services becomes important in supporting day-to-day business of the users. The main objective of the study is to determine the moderating role of occupation in users’ intention to continue the usage of mobile money services in Ethiopia; particularly in Adama City and District. A correlational cross-sectional quantitative survey research design was deployed. The sampling unit for the study is individuals who were users of mobile payment services delivered as M-Birr and HelloCash. The sample size, 406 mobile payment services users, was purposively selected from 1,796,595 M-Birr and HelloCash mobile money system users. The data were collected from these users through structured questionnaire. SEM was considered to test the proposed study model. In view of that, the study results show that occupation significantly moderates the relationship between perceived usefulness and continuous usage of mobile payment services. Besides, it has no significant moderating effect on the relationship between perceived ease of use and intention to continue the usage of mobile money services.