The Roles of Facilitating Conditions, Perceived Risk and Personal Innovativeness in Perceived Ease of Using Mobile Payment Services

Abstract

The main objective of this study is to investigate the effect of facilitating conditions, perceived risk, and personal innovativeness on user’s perception of ease of using mobile payment services (MPS) in Ethiopia. To identify the nature and magnitude of effects of these factors on the perceived ease of use, the study population was selected based on a typical case sampling method. The study population is characterized by different demographic features that are supposed to represent the target population. The convenience sampling technique was used to select 406 final respondents from MPS users of M-Birr and HelloCash. The collected data were analyzed using structural equation modeling (SEM) with the support of AMOS. Besides, SPSS was used to assess mostly the reliability of the collected data. The findings of the study show that facilitating conditions (FC) and personal innovativeness (PI) influence perceived ease of use (PEUO) positively and significantly. On the other hand, the study has found that perceived risk (PR) has a significant negative effect on perceived ease of use (PEUO).