DETERMINING THE MEDIATING EFFECTS OF TRUST ON E-PAYMENT READINESS IN GHANA: CONSUMERS’ PERSPECTIVE ANALYSIS

Patrick Acheampong, Li Zhiwen, Anthony Akai Acheampong Otoo, Henry Asante Antwi, Frank Boateng, Isaac Asare Bediako

Abstract


Transitioning from a cash-based economy to digital or cashless economy requires that business entities build a more friendly customer relationship strategy whiles ensuring their security. This study sought to integrate trust and the Technology Readiness Index to determine their respective influence on e-payment adoption. The finds sheds light into how potential factors influencing e-payment adoption and for that matter measures to overcome these challenges. The study indicates that high personal optimism about technology in general leads to high trust of an e-payment technology. Further, high personal innovativeness about technology in general leads to higher trust of an e-payment technology. The findings suggest that low personal discomfort about technology in general leads to lower trust of an e-payment technology. Finally, it is established that low personal insecurity about technology in general leads to lower trust of an e-payment technology.

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