Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators
The potential for mobile banking use in African countries is enormous. Mobile banking might be the easiest way to provide access to financial services. An innovative model was developed combining UTAUT2 and cultural moderators. Performance expectancy, hedonic motivation, and habit influence intention. Collectivism, uncertainty, short term and power distance influence acceptance.
mobile banking acceptance culture utaut2 africa