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International Conference on e-Infrastructure and e-Services for Developing Countries

AFRICOMM 2013: e-Infrastructure and e-Services for Developing Countries pp 178–187Cite as

Consumer Adoption of Mobile Payment Systems in Malawi: Case of Airtel Malawi ZAP in Blantyre City

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Abstract

Mobile payment enables consumers to purchase goods and services as well as transfer money using a mobile phone. This qualitative study aimed at investigating the factors that are affecting consumers in using mobile payment in Malawi using Zap [mobile payment system] as an example. Snowball sampling technique was used to identify study participants in Blantyre District. Inductive and deductive qualitative data analyses were carried out based on the transcriptions of interviews. Study findings show that relative advantage, complexity, compatibility, cost, trust and security, network externalities and situational factors affect use of mobile payment systems. In addition, personal characteristics and use of mass media play a role in the adoption of mobile payment systems. The findings reinforce the existing theory of Diffusion of Innovation and adoption of mobile payment systems. The study recommends improvement in the network stability, extension of the service to banks and utility service providers, and recruitment of more mobile payment agents across the country.

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Author information

Authors and Affiliations

  1. Malawi Revenue Authority, Private Bag 247, Blantyre, Malawi

    Menard Nyirenda

  2. Department of Computing and Information Technology, University of Malawi-The Polytechnic, Private Bag 303, Blantyre 3, Malawi

    Patrick Albert Chikumba

Authors
  1. Menard Nyirenda
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  2. Patrick Albert Chikumba
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Correspondence to Patrick Albert Chikumba .

Editor information

Editors and Affiliations

  1. University of Luxembourg, Luxembourg, Luxembourg

    Tegawendé F. Bissyandé

  2. Scientific and Industrial Research and Development Centre, Harare, Zimbabwe

    Gertjan van Stam

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© 2014 Institute for Computer Sciences, Social Informatics and Telecommunications Engineering

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Nyirenda, M., Chikumba, P.A. (2014). Consumer Adoption of Mobile Payment Systems in Malawi: Case of Airtel Malawi ZAP in Blantyre City. In: Bissyandé, T., van Stam, G. (eds) e-Infrastructure and e-Services for Developing Countries. AFRICOMM 2013. Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering, vol 135. Springer, Cham. https://doi.org/10.1007/978-3-319-08368-1_22

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  • DOI: https://doi.org/10.1007/978-3-319-08368-1_22

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  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-319-08367-4

  • Online ISBN: 978-3-319-08368-1

  • eBook Packages: Computer ScienceComputer Science (R0)

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