Factors Affecting the Adoption of Electronic Payment on Cash Transfer Program in Ethiopia: The Case of M-Birr and Ethiopia Productive Safety Net Program (PSNP)
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Date
2019-06
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Addis Ababa University
Abstract
The purpose of this study was to investigate factors affecting the adoption of electronic payment on cash transfer program in Ethiopia in the case of M-Birr and Ethiopia Productive Safety Net Program (PSNP). A sample of 390 respondents were drawn from fifteen (15) woredas households of the four regional governments (Amhara, Oromia, SNNP and Tigray) of Ethiopia where a structured questionnaire was distributed to these samples. However, the response rate from among the intended samples was only 95.4% therefore; around 372 responses were found to be workable by this study. SPSS V 24.0 was used to analyze the data collected and to test the hypotheses put forward. Descriptive Research and Explanatory Research design was employed in order to identify the extent at which the independent variables affect the dependent variable. Multiple regression analysis was used in establishing the significance of the relationship. The findings of this study then show that factors namely convenience and relative advantage have a positive and significant relationship with electronic cash transfer adoption in Ethiopia which led to, the acceptance of hypothesis two and four. From hypothesis three, perceived risk was found to have a significant negative influence on electronic cash transfer adoption, meaning hypothesis three was supported. Whereas hypothesis one, trust has no significant relationship with the dependent variable electronic cash transfer adoption. These findings are beneficial for M-Birr and Productive Safety Net Program (PSNP) in Ethiopia to identify factors that influence the effectiveness of electronic cash transfer adoption. The study recommends M-Birr and Ethiopia Productive Safety Net Program (PSNP) to consider investing in campaigns and arranging information sessions to demonstrate the features of electronic cash transfer system, and its benefits over manual cash transfer system.
Description
A thesis submitted to the School of Graduate Studies of Addis Ababa University in
partial fulfillment of the requirements for the Award of the Degree of Masters of
Business Administration (MBA)
Keywords
Convenience, Electronic cash transfer and adoption, Perceived risk, Relative advantage