Investigating Trust In M-Wallets: Developing An Assessment Tool

Auteurs

  • Soukaina BOUALOU
  • Ilham EL HARAOUI

DOI :

https://doi.org/10.5281/zenodo.10037078

Mots-clés :

M-wallets, trust, measurement scale, COVID-19, client adoption, mobile banking

Résumé

This article delves into trust issues concerning m-wallet adoption in Morocco. Given the pivotal role of m-wallets during the COVID-19 pandemic, exacerbated by lockdowns and social distancing measures, our study seeks to create a bespoke instrument to assess trust among Moroccan m-wallet users. Drawing from a comprehensive review of literature on trust within financial technologies and the applied methodology, our research aims to pinpoint factors that drive Moroccan consumers' propensity to embrace m-wallets. Despite Morocco's notable mobile connectivity and widespread internet usage, hurdles to financial inclusivity persist, leaving a considerable segment of the adult populace without banking access. In our endeavor, a survey involving 181 respondents was conducted, leading to the formulation of an enhanced four-item measurement scale. This scale aids stakeholders in devising strategies to bolster user trust, ultimately catalyzing broader m-wallet uptake. For the integrity of our trust indicators, an Exploratory Factor Analysis was performed. The results resonated well with recognized standards, reinforcing the validity of our findings.

Bibliographies de l'auteur

Soukaina BOUALOU

Doctorante
Université Ibn Tofail / Faculté des Sciences Juridiques, Economiques & Sociales Maroc

Ilham EL HARAOUI

Enseignante-Chercheure
Université Ibn Tofail / Faculté des Sciences Juridiques, Economiques & Sociales Maroc

Téléchargements

Publiée

2023-10-24

Comment citer

Soukaina BOUALOU, & Ilham EL HARAOUI. (2023). Investigating Trust In M-Wallets: Developing An Assessment Tool. African Scientific Journal, 3(20), 403. https://doi.org/10.5281/zenodo.10037078

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