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Do mobile financial services ensure the subjective well-being of micro-entrepreneurs? An investigation applying UTAUT2 model

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  • Syed Abidur Rahman
  • Mirza Mohammad Didarul Alam
  • Seyedeh Khadijeh Taghizadeh

Abstract

The world is now in human palms due to the rapid proliferation of technology e.g. mobile money transferring. Consequently, the information technology has been sensed as a tool for development which is influencing human well-being. This research embarks upon to examine the influence of UTAUT2 model on the subjective well-being of the bKash agents (micro-entrepreneurs) who belong to the underdeveloped societal group. Data were gathered from the bKash agents in Bangladesh with a response rate of 37.5% and was analyzed by SEM-PLS3.0 statistical software. The results reveal that price value strongly predicts behavioral intention for accepting and using mobile financial services along with other factors. Most importantly, the result suggests that the usage behavior of mobile financial services influences the subjective well-being of the respondents. Adjoining the concept of subjective well-being with a unified theory of acceptance and usage of technology is the paper’s uniqueness to the ‘development’ knowledge domain.

Suggested Citation

  • Syed Abidur Rahman & Mirza Mohammad Didarul Alam & Seyedeh Khadijeh Taghizadeh, 2020. "Do mobile financial services ensure the subjective well-being of micro-entrepreneurs? An investigation applying UTAUT2 model," Information Technology for Development, Taylor & Francis Journals, vol. 26(2), pages 421-444, April.
    • Handle: RePEc:taf:titdxx:v:26:y:2020:i:2:p:421-444
    DOI: 10.1080/02681102.2019.1643278
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    Cited by:

    1. Berdibayev, Yergali & Kwon, Youngsun, 2021. "Fear of COVID-19, Social Isolation and Digital Financial Services during the COVID-19 Pandemic: The Unified Theory of Acceptance and Use Technology (UTAUT) model," 23rd ITS Biennial Conference, Online Conference / Gothenburg 2021. Digital societies and industrial transformations: Policies, markets, and technologies in a post-Covid world 238010, International Telecommunications Society (ITS).
    2. Mirza Mohammad Didarul Alam & Nor Azila Mohd Noor, 2020. "The Relationship Between Service Quality, Corporate Image, and Customer Loyalty of Generation Y: An Application of S-O-R Paradigm in the Context of Superstores in Bangladesh," SAGE Open, , vol. 10(2), pages 21582440209, May.
    3. Simplice A. Asongu & Nicholas M. Odhiambo, 2023. "Bank accounts, bank concentration and mobile money innovations," Working Papers 23/019, European Xtramile Centre of African Studies (EXCAS).
    4. Ashraf, Mohammad Ali & Alam, Mirza Mohammad Didarul & Alexa, Lidia, 2021. "Making decision with an alternative mind-set: Predicting entrepreneurial intention toward f-commerce in a cross-country context," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    5. Mahendru, Mandeep & Sharma, Gagan Deep & Pereira, Vijay & Gupta, Mansi & Mundi, Hardeep Singh, 2022. "Is it all about money honey? Analyzing and mapping financial well-being research and identifying future research agenda," Journal of Business Research, Elsevier, vol. 150(C), pages 417-436.

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