Understanding the factors of mobile payment continuance intention: empirical test in an African context

Abstract

Few studies have been conducted about individuals' continuance to use m-payment, especially in an African context. This study investigates the continuance intention to use m-payment, employing two theoretical models: the DeLone and McLean information system (D&M IS) success model and the expectation-confirmation model (ECM) in an African context. We collected 338 questionnaires through an online survey to evaluate and validate the proposed theoretical model, using partial least squares - structural equation modelling (PLS-SEM). Our results indicate that the most important predictors of continuance intention to use m-payment are individual performance, use, and satisfaction. The results present useful insight to understand continuance intentions toward mobile payment in an African context. The integration of D&M IS success model, and the ECM model is to allow us to understand the main factors affecting the continuance intention to use mobile payment in the African context. By combining these two models we show how to compensate for and complement the weaknesses and strengths of the models, solidifying our findings of continuance intention with a stronger model that is otherwise not possible.