1、4000 英文单词， 22500 英文字符 ，中文 6850 字 文献出处： Humbani M, Wiese M. A Cashless Society for All: Determining Consumers Readiness to Adopt Mobile Payment ServicesJ. Journal of African Business, 2017(1):1-21. A Cashless Society for All: Determining Consumers Readiness to Adopt Mobile Payment Services M. Humbani
2、 and M. Wiese ABSTRACT The technology readiness index was applied to determine consumers readiness to adopt mobile payment services and the moderating eect of gender. Gender has been identied as a key variable in adoption and its vital role in market segmentation and gender empowerment obliges its i
3、nclusion. The results of the regression analysis indicate that convenience and compatibility drive consumers adoption whereas risk, cost and insecurity are inhibitors. Furthermore, gender moderates only the relationship between convenience and the adoption of mobile payment services. Given the moder
4、ating eect of gender, companies should initiate advertising campaigns targeting women opinion leaders in advertisements, which can in turn encourage and educate other women to enjoy the convenience of mobile payments. Results provide insights on how to increase adoption and reduce the gender gap in
5、mobile payment services. KEYWORDS Adoption; technology readiness index (TRI); drivers; inhibitors; mobile payment services; gender Introduction The rapid adoption of mobile phones and their role in the development of personal and professional activities has been one of the most important technologic
6、al events in recent decades (Libana-Cabanillas, De Luna, & Montoro-Ros, 2015). Global statistics indicate that mobile subscriptions worldwide have passed the seven billion mark, of which about 770 million are estimated to be in Africa alone (ITU, 2016). The above gure of seven billion indicates the number of SIM cards in a country expressed as a percentage of the countrys population. In the light of this development, merchants, nancial institutions and telecommunication operat
