Факторы, влияющие на принятие покупателями Нигерии электронных точек продаж (E-POS)

В настоящее время банковские услуги переходят с ручного на электронный уровень, но не все страны мира сумели перенести свою платежную систему в электронную среду из-за некоторых культурных традиций. В развивающихся странах, таких как Нигерия, внедрение электронного банкинга прошло в несколько этапов, начиная с улучшения способа оплаты и заканчивая предоставлением нескольких электронных платежных платформ клиентам в качестве альтернативы оплаты наличными. Успех этих электронных платежных платформ зависит от уровня принятия потребителями. Растущая зависимость от цифровых финансовых транзакций во всем мире оставила пробел в понимании моделей принятия в развивающихся странах. Целью данного исследования является выявление и анализ факторов, влияющих на использование нигерийскими розничными покупателями электронных систем точек продаж (POS). Был проведен структурированный опрос среди 237 респондентов в шести геополитических зонах Нигерии с использованием SEM (моделирования структурных уравнений) для проверки гипотез, полученных из Единой теории принятия и использования технологий (UTAUT). Результаты показывают, что ожидаемая производительность, простота использования и социальное влияние существенно влияют на намерение пользователей принять POS-системы. Данное исследование подчеркивает важность технологического соответствия, простоты и мнения окружающих для повышения темпов принятия, предоставляя действенные идеи для политиков и финансовых учреждений в схожих социально-экономических контекстах.

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