Mobile Commerce: Mobile Money Transfer In Ghana(Customers's Perspective)
Mobile Commerce: Mobile Money Transfer In Ghana(Customers's Perspective)
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Date
2016-05
Authors
Adasa Nkrumah Kofi Frimpong
Samuel Adu Gyamfi
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Abstract
Mobile money transfer allows people to send money using Short Message Service (SMS). Its low
costs, fast speed and no need of having a bank account. The service started in Kenya as MPESA
introduced by Safaricom and has since been replicated in other parts of the world especially in
developing countries. The service was introduced in Ghana in 2009. Much research has been done in
mobile money transfer but mostly focused on the success of MPESA. Very little is known with respect
to the service in Ghana. This paper studied the use of mobile money transfer service in Ghana from
the customers’ perspective. The study sought to compare the extension and impact of the service as
against the successful implementation of Kenya’s MPESA. The objective was to investigate the
socioeconomic characteristics of MMT users, and their MMT experience. Quantitative and qualitative
research method based on the Positivism and the Interpretivism philosophies were used. The survey
method using questionnaire was used. The mobile money transfer processes, as used in Ghana, was
modelled. The result of the survey showed that MMT was used to a large extent in Ghana, just as in
Kenya; it was concluded that like the survey by Mas & Radcliffe, (2010) which found that 98 percent of
users in Kenya were happy with the service, the users in Ghana were equally happy, however, the
percentage in Ghana was 88%
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Citation
Frimpong, A. N. K., & Gyamfi, S. A. (2016). Mobile commerce: Mobile money transfer in Ghana (Customers’ perspective). Technology, Innovation and Industrial Management, 971-983.