The Role of Motivation in Curbing Resistance to Innovation in Mobile Payment Services in South Africa: A Focus on University Students

Reginald Masocha, Lillian Chiw

Abstract

Despite high mobile technologies penetration in South Africa, mobile payment services have been adopted by relatively few users. This study intended to explore the resistance to innovation through examining the reasons for slow adoption of mobile payment services among consumers and how motivation influences the adoption process. Absence of relative advantage, absence of compatibility, complexity, perceived risk and absence of self-efficacy have been employed as factors influencing motivation of consumer’s towards mobile payment services. Non-probability sampling method was used in this study and a sample of 225 respondents participated in the survey. Data was analysed using structural equation modelling (SEM) to assess the relationships between the research constructs. The software AMOS version 25 was used to conduct path analysis of the postulated hypotheses. All the hypotheses in the study were supported and the results of this study may assist players in the financial sector with better knowledge on the connection between all the recognised affecting components and the customers’ resistance from utilising mobile payment services in South Africa. Furthermore, this research adds towards knowledge endeavouring to minimise the resistance and enhancing the pace at which consumers adopt mobile payment services.