Towards an Integrated Theoretical Model for Assessing Mobile Banking Acceptance Among Consumers in Low Income African Economies

Abstract

The meteoric rise of mobile banking technologies in Africa is a result of an increasing penetration of smartphones and internet. Although successful studies have covered a set of themes around mobile banking and recognized the great potential existing in Africa, very few of them have examined the motivations related to its adoption and its daily use by consumers in developing countries. To fill this research gap, this study investigates on the adoption of mobile banking by consumers in sub-Saharan Africa. It is based on several theoretical models such as TAM and DeLone and McLean IS success Model to better assess the acceptance of mobile banking on African consumers. The proposed research model was assessed and supported by a data collection from 479 mobile banking users. The last section of the paper focuses on the formulation of practical implications for future work and studies in mobile banking.