Investigating Mobile Payment Adoption in Mauritius 

This study investigated the factors influencing the adoption of mobile payment (MP) systems in Mauritius. This was achieved by identifying Mauritian consumers' shopping patterns and preferences and their perceptions of Mauritian MP systems. The demographics of this study revealed that of the 84 responses received, the majority were male respondents between 18 and 24. Although most respondents were from the rural areas of Mauritius, they preferred shopping at malls, with a small majority preferring online shopping. Cash and debit cards are currently the main forms of payment adopted for in-store shopping, while credit and debit cards are the most adopted for online shopping. Cash and debit cards are the preferred payment methods for in-store shopping, while credit cards and MP systems are preferred for online shopping. The most popular application (app) adopted for MP is the Juice app. The amount participants pay for using MP systems range from MRU 10 to 1000. The statistical analysis of the perceptions of Mauritian consumers of the adoption of MP systems revealed that they found MP systems easy to use and useful. While they indicated that MP systems are secure, concerns were raised about the risks associated with unnecessary and fraudulent charges associated with MP systems. Social influence had little effect on the adoption of MP systems. MP was adopted more where it was compatible with the participant's lifestyle or shopping behaviour. Participants who displayed a keen interest in technology adopted MPs more frequently. Overall, however, most participants indicated that they intend to continue adopting MP systems in the future. The respondents further expressed a positive attitude towards MPs, especially identifying that MP systems are better than cash. They seem to be more motivated to adopt MP systems if there are rewards associated with their usage. A model of the factors that influence the adoption of MP systems was then proposed.