Users experience of mobile money in Nigeria

摘要

Mobile money is an upshot of the conventional banking system that creates an opportunity for the financially excluded group of people. It allows the unbanked in the rural areas and the underbanked in the urban centers to have access to financial services. User experience is all encompassing as it affects the emotion and the attitude of the user of a product or services. This study reviewed the related literature about mobile money user's experience. Quantitative data analysis technique was used in the study. The study contributes positively to the mobile money literature with a framework that highlights the importance of privacy, security, and convenience as an enhancer of mobile money user's experience while the system anxiety negatively depicts the mobile money users'. We explicate the theoretical contributions, implications for the managers and offers a useful suggestion for the future study.