earticle

영어

Despite the widespread availability of mobile money in Sub-Saharan Africa, cash remains the dominant medium for daily transactions, revealing a persistent behavioral gap between access and consistent usage. This study investigates the factors driving a transition from cash dependence to increased mobile money usage for daily transactions. Guided by the Push–Pull–Mooring framework, we analyze survey data from 199 current mobile money users in SSA using PLS-SEM via SmartPLS 4.1. The findings show that trust and perceived benefit are key predictors of the intention to increase mobile money usage, linking push, pull, and mooring forces. Among pull factors, self-efficacy and perceived usefulness enhance perceived benefits, while among push factors, transaction inconvenience with cash strengthens trust in mobile money. Additionally, the social acceptability of cash emerges as a strong negative mooring factor, reducing perceived benefits. This study extends the PPM framework by introducing social acceptability as a distinct construct and adapting it to the low-trust, cash-centric context of SSA. Practical implications emphasize the importance of building trust, enhancing perceived benefits, addressing social barriers, and improving digital literacy. The study contributes to the literature on digital financial inclusion by uncovering mechanisms for promoting consistent mobile money use in developing economies.