The Controversy of Mobile Money E-Levy in Ghana: the Sweet, Sour and Switches of Customers
Volume 8, Issue 1 Felix Dade, John Abbam Nyarko, Yabibal A. Abate, Sunday Adewale Olaleye
Published online:10 August 2023
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This study investigates how electronic levy (e-levy) influence mobile money (MM) users’ continuous usage intention. Using theory of reasoned action and stimulus-organism-response theories, the study identified security and economic concerns, knowledge, beliefs regarding e-levy, and actual usage behaviour as potential influencers of continuous usage intention of MM. The hierarchical regression analysis results from 246 Ghanaian MM users show that economic concern, knowledge, and beliefs about e-levy, and actual use behaviour of MM significantly influence continuous usage intention. While income negatively affects the continuous usage intention, the number of years of use significantly moderates the relationship between actual use behaviour and continuous usage intention of MM. Our findings suggest that diversified awareness creation about e-levy for MM users that are found at different stages of MM adoption lifecycle is critical. Furthermore, unintended economic consequences, such as inflation, should be considered when determining the rate and taxable number of transactions for e-levy.
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Dade, F. et al., (2023). The Controversy of Mobile Money E-Levy in Ghana: the Sweet, Sour and Switches of Customers. International Journal of Business and Administrative Studies, 9(2), 29-40. https://dx.doi.org/10.20469/ijbas.9.10003-2
