Abstract
This paper reports a research work that examined the applicability of the Technology Acceptance Model (TAM) in explaining clients’ decisions to accept the Mobile Renewal Service (MRS) technology introduced by the National Health Insurance Scheme in Ghana. The model’s overall fit, explanatory power, and the individual causal links that it postulates were evaluated by examining the adoption and usage of the Mobile Renewal Service technology among clients in the Northern Region of Ghana. Results of the study suggested that Technology Acceptance Model (TAM) was able to provide a reasonable depiction of clients’ adoption and usage of the Mobile Renewal Service. The study reports 0.762 R2 (with T statistics greater than 1.96 and P value less than 0.05) indicating that the independent variables, namely System Quality, Transaction Cost, Accessibility, Perceived Ease of Use and Perceived Usefulness, all together explain about 76.2 percent changes in intention to use mobile renewal services. Accessibility and perceived ease of use are both capable of influencing perceived usefulness positively. It can be established that accessibility facilitates subscriber intention to use the mobile renewal service. The study also concludes that system quality is able to influence user’s desire to use the service. The findings in this regard suggest that the underlying variables explained the substantial variance in the subscribers’ intention to use mobile renewal services of the NHIS.
Highlights
IntroductionThe government of Ghana is committed to transforming the public service base with electronic government solutions
The results suggest most of the sampled participants have had a good experience with regards to the usage of the National Health Insurance Scheme (NHIS) and the views and opinions expressed by them would better serve the course of this current investigation
The current further found that majority of the NHIS subscriber has ever used the mobile renewal service before in the sampled study area supporting the greater variance explained by the factors accounting for subscriber intention to use
Summary
The government of Ghana is committed to transforming the public service base with electronic government solutions. Ghana’s Ministry of Health has put together some objectives to be achieved under the Government of Ghana’s Universal Health Coverage (UHC) plan. As part of the e-Ghana plan modules, government agencies have been tasked to use various ICTs and other E-government solutions. The National Health Insurance Scheme (NHIS) launched the Mobile Renewal Service on 17 December 2018 to renew its membership without hassle. This creative method of renewal of membership and premium payment aims to increase the enrollment and retention rates of Ghana’s NHIS. Considering how efficient and effective the mobile renewal service is, it is worthwhile to investigate the factors influencing subscribers’ use and adoption of the service and how NHIA can improve upon the service to cover a broader range
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