Examining the Intervening Role of Age and Gender on mobile payment Acceptance in Ghana: UTAUT Model

Patrick Acheampong, Li Zhiwen, Kamal Kant Hiran, Obobisa Emma Serwaa, Frank Boateng, Isaac Asare Bediako


The sole intention of this study was to examine the moderating effects of age and gender on electronic payment based on the Unified Theory of Acceptance and Use of Technology (UTAUT) theoretical model. Using a sample of 1098 respondents, we collected and analysed the data. The results confirm that “performance expectancy”, effort expectancy for male respondents were higher than the mean for female respondents while the mean score of the variable for social influence for female is higher than the male respondents. On the other hand, the findings statistically concluded that the moderating effect of age was significant.

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