References
- Akter, S., Ray, P., & D’Ambra, J. (2013). Continuance of mHealth services at the bottom of the pyramid: The roles of service quality and trust. Electronic Markets, 23(1), 29–47. https://doi.org/https://doi.org/10.1007/s12525-012-0091-5
- Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411. https://doi.org/https://doi.org/10.1037/0033-2909.103.3.411
- Awowi, J. E. (2010). Ghana community information centers (CiCs) e-governance success or mirage? Journal of E-Governance, 33(3), 157–167. https://doi.org/https://doi.org/10.3233/GOV-2010-0224
- .WHO-OECD-Word Bank. (2018) Delivering quality health services: A global imperative for universal health coverage https://www.who.int/servicedeliverysafety/quality-report/publication/en/ (August 11th, 2020).
- Baron, R. M., & Kenny, D. A. (1986). The moderator–mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. Journal of personality and social psychology,51(6), 1173–1182. https://doi.org/https://doi.org/10.1037/0022-3514.51.6.1173
- Bhan, N. (2014), Mobile Money Is Driving Africa’s Cashless Future, Harvard Business Review, https://hbr.org/2014/09/mobile-money-is-driving-africas-cashless-future; September 14, 2020.
- Bjørnskov, C., & Méon, P. G. (2015). The productivity of trust. World Development, 70, 317–331. https://doi.org/https://doi.org/10.1016/j.worlddev.2015.01.015
- Bozan, K., & Datta, P. (2016). The effect of perceived expected satisfaction with electronic health records availability on expected satisfaction with electronic health records portability in a multi-stakeholder environment. Interdisciplinary Journal of Information, Knowledge, and Management, 11, 031–053. https://doi.org/https://doi.org/10.28945/3434
- Brady, M. K., & Cronin, J. J. (2001). Some new thoughts on conceptualizing perceived service quality: A hierarchical approach. Journal of Marketing, 65(3), 34–49. https://doi.org/https://doi.org/10.1509/jmkg.65.3.34.18334
- Bromiley, P., & Cummings, L. L. (1995). Transactions costs in organizations with trust. In R. Bies, B. Sheppard, & R. Lewicki (Eds.), Research on Negotiation in Organizations. JAI Press.
- Büyüközkan, G., Çifçi, G., & Güleryüz, S. (2011). Strategic analysis of healthcare service quality using fuzzy AHP methodology. Expert Systems with Applications, 38(8), 9407–9424. https://doi.org/https://doi.org/10.1016/j.eswa.2011.01.103
- Casalo, L. V., Flavián, C., & Guinalíu, M. (2007). The influence of satisfaction, perceived reputation and trust on a consumer’s commitment to a website. Journal of Marketing Communications, 13(1), 1–17. https://doi.org/https://doi.org/10.1080/13527260600951633
- Chin, W. W., Marcolin, B. L., & Newsted, P. R. (2003). A partial least squares latent variable modeling approach for measuring interaction effects: Results from a Monte Carlo simulation study and an electronic-mail emotion/adoption study. Information Systems Research, 14(2), 189–217. https://doi.org/https://doi.org/10.1287/isre.14.2.189.16018
- Chin, W. W., & Newsted, P. R. (1999). Structural equation modeling analysis with small samples using partial least squares. Statistical Strategies for Small Sample Research, 1(1), 307–341. https://us.sagepub.com/en-us/nam/statistical-strategies-for-small-sample-research/book9183#contents
- Chipidza, W., & Leidner, D. (2019). A review of the ICT-enabled development literature: Towards a power parity theory of ICT4D. The Journal of Strategic Information Systems, 28(2), 145–174. https://doi.org/https://doi.org/10.1016/j.jsis.2019.01.002
- Chironga, M., De Grandis, H., & Zouaoui, Y. (2017). Mobile financial services in Africa: Winning the battle for the customer, McKinsey & Co. Report, September.
- Craney, T. A., & Surles, J. G. (2002). Model-dependent variance inflation factor cutoff values. Quality Engineering, 14(3), 391–403. https://doi.org/https://doi.org/10.1081/QEN-120001878
- Datta, P. (2011). A preliminary study of ecommerce adoption in developing countries. Information Systems Journal, 21(1), 3–32. https://doi.org/https://doi.org/10.1111/j.1365-2575.2009.00344.x
- Datta, P., Byrd, T. A., Okoli, C., & Mbarika, V. W. (2005). The neglected continent of IS research: A research agenda for sub-Saharan Africa. Journal of the Association for Information Systems, 6(5), 6. https://doi.org/https://doi.org/10.17705/1jais.00067
- Datta, P., Peck, J. A., Koparan, I., & Nieuwenhuizen, C. (2018). Entrepreneurial continuance logic: The interplay between climate, commitment, and entrepreneurial responsiveness. Management Decision, 58(7), 1247–1282. https://doi.org/https://doi.org/10.1108/MD-05-2017-0537
- Fishburn, P. C. (1968). Utility theory. Management Science, 14(5), 335–378. https://doi.org/https://doi.org/10.1287/mnsc.14.5.335
- Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, 18(1), 39–50. https://doi.org/https://doi.org/10.1177/002224378101800104
- Gao, L., & Waechter, K. A. (2017). Examining the role of initial trust in user adoption of mobile payment services: An empirical investigation. Information Systems Frontiers, 19(3), 525–548. https://doi.org/https://doi.org/10.1007/s10796-015-9611-0
- Garbarino, E., & Johnson, M. S. (1999). The different roles of satisfaction, trust, and commitment in customer relationships. Journal of Marketing, 63(2), 70–87. https://doi.org/https://doi.org/10.1177/002224299906300205
- Gefen, D., Karahanna, E., & Straub, D. W. (2003). Inexperience and experience with online stores: The importance of TAM and trust. IEEE Transactions on Engineering Management, 50(3), 307–321. https://doi.org/https://doi.org/10.1109/TEM.2003.817277
- Ghahramani, F., & Wang, J. (2020). Impact of smartphones on quality of life: A health information behavior perspective. Information Systems Frontiers, 22(6), 1275–1290. https://doi.org/https://doi.org/10.1007/s10796-019-09931-z
- Gong, X., Zhang, K. Z., Chen, C., Cheung, C. M., & Lee, M. K. (2020). What drives trust transfer from web to mobile payment services? The dual effects of perceived entitativity. Information & Management, 57(7), 103250. https://doi.org/https://doi.org/10.1016/j.im.2019.103250
- Goo, J., & Huang, C. D. (2008). Facilitating relational governance through service level agreements in IT outsourcing: An application of the commitment–trust theory. Decision Support Systems, 46(1), 216–232. https://doi.org/https://doi.org/10.1016/j.dss.2008.06.005
- Goodhue, D., Lewis, W., & Thompson, R. (2007). Research note—Statistical power in analyzing interaction effects: Questioning the advantage of PLS with product indicators. Information Systems Research, 18(2), 211–227. https://doi.org/https://doi.org/10.1287/isre.1070.0123
- Green, C. (2015). Mobile payment platforms pick up in healthcare as patients crave more accessible billing. Healthcare Finance. https://www.healthcarefinancenews.com/news/mobile-payment-platforms-pick-healthcare-patients-crave-more-accessible-billing
- Group, W. B. (2019) International Finance Corporation. Health and Education. 2019; Available at: https://www.ifc.org/wps/wcm/connect/REGION__EXT_Content/IFC_External_Corporate_Site/Sub-Saharan±Africa/Priorities/Health±and±Education/. Accessed 30 Dec 2019.
- Hair, J. F., Jr, Sarstedt, M., Ringle, M., & Gudergan, S. P. (2017). Advanced issues in partial least squares structural equation modeling. SAGE Publications.
- James, T. L., Calderon, E. D. V., & Cook, D. F. (2017). Exploring patient perceptions of healthcare service quality through analysis of unstructured feedback. Expert Systems with Applications, 71, 479–492. https://doi.org/https://doi.org/10.1016/j.eswa.2016.11.004
- Kang, S., Lim, K. H., Kim, M. S., & Yang, H. D. (2012). Research note—a multilevel analysis of the effect of group appropriation on collaborative technologies use and performance. Information Systems Research, 23(1), 214–230. https://doi.org/https://doi.org/10.1287/isre.1100.0342
- Kanter, G. P., Carpenter, D., Lehmann, L. S., & Mello, M. M. (2019). US Nationwide Disclosure of Industry Payments and Public Trust in Physicians. JAMA Network Open, 2(4),e191947. April 12, 2019. https://doi.org/https://doi.org/10.1001/jamanetworkopen.2019.1947
- Kar, A. K. (2020). What affects usage satisfaction in mobile payments? Modelling user generated content to develop the “digital service usage satisfaction model”. Information Systems Frontiers, 1–21. https://doi.org/https://doi.org/10.1007/s10796-020-10045-0
- Kenny, D. A., & Judd, C. M. (1984). Estimating the nonlinear and interactive effects of latent variables. Psychological Bulletin, 96(1), 201. https://doi.org/https://doi.org/10.1037/0033-2909.96.1.201
- Kifle, M., Mbarika, V. W., & Datta, P. (2006). Interplay of cost and adoption of tele-medicine in Sub-Saharan Africa: The case of tele-cardiology in Ethiopia. Information Systems Frontiers, 8(3), 211–223. https://doi.org/https://doi.org/10.1007/s10796-006-8780-2
- Kim, E., & Tadisina, S. (2007). A model of customers’ trust in e-business: Micro-level inter-party trust formation. The Journal of Computer Information Systems, 48(1), 88–104.
- Koloseni, D., & Mandari, H. (2017). Why mobile money users keep increasing? Investigating the continuance usage of mobile money services in Tanzania. Journal of International Technology and Information Management, 26(2), 117–145. https://www.tandfonline.com/doi/abs/https://doi.org/10.1080/08874417.2007.11645998
- Lankton, N. K., McKnight, D. H., & Tripp, J. (2015). Technology, humanness, and trust: Rethinking trust in technology. Journal of the Association for Information Systems, 16(10), 1. https://doi.org/https://doi.org/10.17705/1jais.00411
- Lee, M. K., & Turban, E. (2001). A trust model for consumer internet shopping. International Journal of electronic commerce, 6(1), 75–91. https://doi.org/https://doi.org/10.1080/10864415.2001.11044227
- Li, D., Browne, G. J., & Wetherbe, J. C. (2006). Why do internet users stick with a specific web site? A relationship perspective. International journal of electronic commerce, 10(4), 105–141. https://doi.org/https://doi.org/10.2753/JEC1086-4415100404
- Lindell, M. K., & Whitney, D. J. (2001). Accounting for common method variance in cross-sectional research designs. Journal of Applied Psychology, 86(1), 114. https://doi.org/https://doi.org/10.1037/0021-9010.86.1.114
- Lu, Y., Yang, S., Chau, P. Y., & Cao, Y. (2011). Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information & Management, 48(8), 393–403. https://doi.org/https://doi.org/10.1016/j.im.2011.09.006
- MacKenzie, S. B., Podsakoff, P. M., & Podsakoff, N. P. (2011). Construct measurement and validation procedures in MIS and behavioral research: Integrating new and existing techniques. MIS Quarterly, 35(2), 293–334. https://doi.org/https://doi.org/10.2307/23044045
- Makinde, O. A., Brown, B., & Olaleye, O. (2014). The impact of medical tourism and the code of medical ethics on advertisement in Nigeria. The Pan African Medical Journal, 19., 103 https://doi.org/https://doi.org/10.11604/pamj.2014.19.103.5217
- Marsh, H. W., & Hocevar, D. (1985). Application of confirmatory factor analysis to the study of self-concept: First-and higher order factor models and their invariance across groups. Psychological Bulletin, 97(3), 562. https://doi.org/https://doi.org/10.1037/0033-2909.97.3.562
- McKnight, D. H. (2005). Trust in information technology. The Blackwell encyclopedia of management, 7, 329–331.
- Mcknight, D. H., Carter, M., Thatcher, J. B., & Clay, P. F. (2011). Trust in a specific technology: An investigation of its components and measures. ACM Transactions on Management Information Systems (TMIS), 2(2), 12. https://doi.org/https://doi.org/10.1145/1985347.1985353
- McLaren, Z. M., Ardington, C., & Leibbrandt, M. (2014). Distance decay and persistent health care disparities in South Africa. BMC Health Services Research, 14(1), 541. https://doi.org/https://doi.org/10.1186/s12913-014-0541-1
- Meso, P., Datta, P., & Mbarika, V. (2006). Moderating information infrastructure’s effects on national development with good governance: A study of developing countries. Journal of the American Society for Information Sciences and Technology, 57(2), 186–197. https://doi.org/https://doi.org/10.1002/asi.20263
- Montague, E. N., Winchester, I. I. I., W. W., & Kleiner, B. M. (2010). Trust in medical technology by patients and healthcare providers in obstetric work systems. Behaviour & Information Technology, 29(5), 541–554. https://doi.org/https://doi.org/10.1080/01449291003752914
- Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38. https://doi.org/https://doi.org/10.1177/002224299405800302
- Muller, N., Emmrich, P. M. F., Rajemison, E. N., De Neve, J. W., Bärnighausen, T., Knauss, S., & Emmrich, J. V. (2019). A mobile health wallet for pregnancy-related health care in Madagascar: Mixed-methods study on opportunities and challenges. JMIR mHealth and uHealth, 7(3), e11420. https://doi.org/https://doi.org/10.2196/11420
- Nunnally, J. C., & Bernstein, I. H. (1994). Psychometric theory(3rd ed.). NY: McGraw-Hill.
- Nwankpa, J. K., & Datta, P. (2017). Balancing exploration and exploitation of IT resources: The influence of Digital Business Intensity on perceived organizational performance. European Journal of Information Systems, 26(5), 469–488. https://doi.org/https://doi.org/10.1057/s41303-017-0049-y
- Ondrus, J., Gannamaneni, A., & Lyytinen, K. (2015). The impact of openness on the market potential of multi-sided platforms: A case study of mobile payment platforms. Journal of Information Technology, 30(3), 260–275. https://doi.org/https://doi.org/10.1057/jit.2015.7
- Opoku, D., Stephani, V., & Quentin, W. (2017). A realist review of mobile phone-based health interventions for non-communicable disease management in sub-Saharan Africa. BMC Medicine, 15(1), 24. https://doi.org/https://doi.org/10.1186/s12916-017-0782-z
- Østergaard, L. R. (2015). Trust matters: A narrative literature review of the role of trust in health care systems in sub-Saharan Africa. Global Public Health, 10(9), 1046–1059. https://doi.org/https://doi.org/10.1080/17441692.2015.1019538
- Ozcan, P., & Santos, F. M. (2015). The market that never was: Turf wars and failed alliances in mobile payments. Strategic Management Journal, 36(10), 1486–1512. https://doi.org/https://doi.org/10.1002/smj.2292
- Podsakoff, P. M., MacKenzie, S. B., Lee, J. Y., & Podsakoff, N. P. (2003). Common method biases in behavioral research: a critical review of the literature and recommended remedies. Journal of applied psychology, 88(5), 879–903. https://doi.org/https://doi.org/10.1037/0021-9010.88.5.879
- Preacher, K. J., & Hayes, A. F. (2008). Asymptotic and resampling strategies for assessing and comparing indirect effects in multiple mediator models. Behavior Research Methods, 40(3), 879–891. https://doi.org/https://doi.org/10.3758/BRM.40.3.879
- Ringle, C. M., Wende, S., & Will, A. (2005) SmartPLS 2.0.M3 (beta), University of Hamburg, Hamburg, available at: www.smartpls.de
- Sarkar, S., Chauhan, S., & Khare, A. (2020). A meta-analysis of antecedents and consequences of trust in mobile commerce. International Journal of Information Management, 50, 286–301. https://doi.org/https://doi.org/10.1016/j.ijinfomgt.2019.08.008
- Singh, A., & Prasher, A. (2019). Measuring healthcare service quality from patients’ perspective: Using Fuzzy AHP application. Total Quality Management & Business Excellence, 30(3–4), 284–300. https://doi.org/https://doi.org/10.1080/14783363.2017.1302794
- Srivastava, S. C., Chandra, S., & Theng, Y. L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for Information Systems, 27, 561–588. https://doi.org/https://doi.org/10.17705/1CAIS.02729
- Steinhubl, S. R., Muse, E. D., & Topol, E. J. (2013). Can mobile health technologies transform health care? JAMA, 310(22), 2395–2396. https://doi.org/https://doi.org/10.1001/jama.2013.281078
- Suki, N. M., Lian, J. C. C., & Suki, N. M. (2011). Do Patients Perceptions Exceed their Expectations in Private Healthcare Settings? International Journal of Health Care Quality Assurance, 24(1), 42–56. https://doi.org/https://doi.org/10.1108/09526861111098238
- Thorne, S. E., & Robinson, C. A. (1988). Reciprocal trust in health care relationships. Journal of Advanced Nursing, 13(6), 782–789. https://doi.org/https://doi.org/10.1111/j.1365-2648.1988.tb00570.x
- Venkatesh, V., & Sykes, T. A. (2013). Digital divide initiative success in developing countries: A longitudinal field study in a village in India. Information Systems Research, 24(2), 239–260. https://doi.org/https://doi.org/10.1287/isre.1110.0409
- Walsham, G. (2020). South-South and triangular cooperation in ICT4D. The Electronic Journal of Information Systems in Developing Countries, 86, 4. https://doi.org/https://doi.org/10.1002/isd2.12130
- Wang, W. T., Wang, Y. S., & Liu, E. R. (2016). The stickiness intention of group-buying websites: The integration of the commitment–trust theory and e-commerce success model. Information & Management, 53(5), 625–642. https://doi.org/https://doi.org/10.1016/j.im.2016.01.006
- Wang, Y. K., & Datta, P. (2009). A technology commitment model of post-adoption behavior. Information Resources Management Journal (IRMJ), 22(4), 1–22. https://doi.org/https://doi.org/10.4018/irmj.2009061901
- Watkins, J. O. T. A., Goudge, J., Gómez-Olivé, F. X., & Griffiths, F. (2018). Mobile phone use among patients and health workers to enhance primary healthcare: A qualitative study in rural South Africa. Social Science & Medicine, 198, 139–147. https://doi.org/https://doi.org/10.1016/j.socscimed.2018.01.011
- Westland, J. C. (2010). Lower bounds on sample size in structural equation modeling. Electronic Commerce Research and Applications, 9(6), 476–487. https://doi.org/https://doi.org/10.1016/j.elerap.2010.07.003
- Yé, M., Kagoné, M., Sié, A., Bagagnan, C., Sanou, H., Millogo, O., … Bibeau, G. (2018). Promoting access equity and improving health care for women, children and people living with HIV/AIDS in Burkina Faso through mHealth. Journal of Public Health, 40(suppl_2), ii42–ii51. https://doi.org/https://doi.org/10.1093/pubmed/fdy196
- Yé, M., Kagoné, M., Sié, A., Bagagnan, C., Sanou, H., Millogo, O., Duclos, V., Tinto, I., & Bibeau, G. (2018). Promoting access equity and improving health care for women, children and people living with HIV/AIDS in Burkina Faso through mHealth. Journal of Public Health, 40(suppl_2), ii42-ii51
- Yuan, Y., Lai, F., & Chu, Z. (2019). Continuous usage intention of Internet banking: a commitment-trust model. Information Systems and e-Business Management, 17(1), 1–25. https://doi.org/https://doi.org/10.1007/s10257-018-0372-4
- Zhao, X., Lynch, J. G., Jr, & Chen, Q. (2010). Reconsidering Baron and Kenny: Myths and truths about mediation analysis. Journal of Consumer Research, 37(2), 197–206. https://doi.org/https://doi.org/10.1086/651257
- Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091. https://doi.org/https://doi.org/10.1016/j.dss.2012.10.034