{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,7,11]],"date-time":"2025-07-11T10:45:28Z","timestamp":1752230728693},"publisher-location":"Cham","reference-count":44,"publisher":"Springer International Publishing","isbn-type":[{"type":"print","value":"9783319083674"},{"type":"electronic","value":"9783319083681"}],"license":[{"start":{"date-parts":[[2014,1,1]],"date-time":"2014-01-01T00:00:00Z","timestamp":1388534400000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2014]]},"DOI":"10.1007\/978-3-319-08368-1_22","type":"book-chapter","created":{"date-parts":[[2014,8,13]],"date-time":"2014-08-13T21:09:44Z","timestamp":1407964184000},"page":"178-187","update-policy":"http:\/\/dx.doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":2,"title":["Consumer Adoption of Mobile Payment Systems in Malawi: Case of Airtel Malawi ZAP in Blantyre City"],"prefix":"10.1007","author":[{"given":"Menard","family":"Nyirenda","sequence":"first","affiliation":[]},{"given":"Patrick Albert","family":"Chikumba","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2014,8,14]]},"reference":[{"issue":"2","key":"22_CR1","doi-asserted-by":"publisher","first-page":"141","DOI":"10.1016\/j.elerap.2006.12.004","volume":"7","author":"YA Au","year":"2007","unstructured":"Au, Y.A., Kauffman, R.J.: The economics of mobile payments: understanding stakeholder issues for an emerging financial technology application. Electron. Commer. Res. Appl. 7(2), 141\u2013164 (2007)","journal-title":"Electron. Commer. Res. Appl."},{"key":"22_CR2","unstructured":"Camner, G., Pulver, C., Sjoblom, E.: What makes a successful mobile money implementation? - M-PESA in Kenya and Tanzania, Financial Sector Deepening (2009)"},{"issue":"4","key":"22_CR3","doi-asserted-by":"publisher","first-page":"369","DOI":"10.1504\/IJMC.2006.008947","volume":"4","author":"C Carlsson","year":"2006","unstructured":"Carlsson, C., Walden, P., Bouwman, H.: Adoption of 3G+ services in Finland. Int. J. Mobile Commun. 4(4), 369\u2013385 (2006)","journal-title":"Int. J. Mobile Commun."},{"key":"22_CR4","unstructured":"Carr, M.: Mobile payment systems and services: an introduction (2007). http:\/\/www.mpf.org.in\/pdf\/Mobile%20Payment%20Systems%20and%20Services.pdf . Accessed 17 October 2010"},{"issue":"2","key":"22_CR5","doi-asserted-by":"publisher","first-page":"165","DOI":"10.1016\/j.elerap.2007.02.001","volume":"7","author":"T Dahlberg","year":"2008","unstructured":"Dahlberg, T., Mallat, N., Ondrus, J., Zmijewska, A.: Past, present and future of mobile payments research: a literature review. Electron. Commer. Res. Appl. 7(2), 165\u2013181 (2008)","journal-title":"Electron. Commer. Res. Appl."},{"issue":"2","key":"22_CR6","first-page":"4","volume":"1","author":"SG Dewan","year":"2005","unstructured":"Dewan, S.G., Chen, L.: Mobile payment adoption in the USA: a crossindustry, cross-platform solution. J. Inf. Priv. Secur. 1(2), 4\u201328 (2005)","journal-title":"J. Inf. Priv. Secur."},{"issue":"4","key":"22_CR7","doi-asserted-by":"publisher","first-page":"318","DOI":"10.1080\/01292980802344190","volume":"18","author":"J Donner","year":"2008","unstructured":"Donner, J., Tellez, C.A.: Mobile banking and economic development: linking adoption, impact, and use. Asian J. Commun. 18(4), 318\u2013332 (2008)","journal-title":"Asian J. Commun."},{"key":"22_CR8","unstructured":"ECB: Eurpoean Central Bank: Paper Issues for ECB Conference on 10 November 2004: e-payments without frontiers (2004). www.ecb.europa.eu\/pub\/pdf\/other\/epaymentsconferenceissues2004en.pdf . Accessed 13 October 2010"},{"key":"22_CR9","unstructured":"FMB: FMB - Bringing banking closer to the people (2010). http:\/\/www.fmbmalawi.com\/news22.html . Accessed 24 November 2010"},{"key":"22_CR10","unstructured":"Gans, J.S., Scheelings, R.: Economic Issues Associated with Access to Electronic Payments Systems (1999). http:\/\/www.mbs.edu\/home\/jgans\/papers\/cecs.pdf . Accessed 10 October 2010"},{"key":"22_CR11","unstructured":"Heeks, R., Jagun, A.: Mobile Phones and Development: The Future in New Hands?, University of Sussex. Institute of development studies (IDS) (2007)"},{"key":"22_CR12","volume-title":"Culture\u2019s consequences (abridged edition)","author":"G Hofstede","year":"1984","unstructured":"Hofstede, G.: Culture\u2019s consequences (abridged edition). Sage, Beverly Hills (1984)"},{"issue":"6","key":"22_CR13","doi-asserted-by":"publisher","first-page":"715","DOI":"10.1016\/j.omega.2006.03.005","volume":"35","author":"CL Hsu","year":"2007","unstructured":"Hsu, C.L., Lu, H.P., Hsu, H.H.: Adoption of the mobile internet: an empirical study of multimedia message service (MMS). Omega 35(6), 715\u2013726 (2007)","journal-title":"Omega"},{"issue":"1\u20132","key":"22_CR14","first-page":"63","volume":"2","author":"N Hughes","year":"2011","unstructured":"Hughes, N., Lonie, S.: M-PESA: mobile money for the \u201cUnbanked\u201d turning cellphones into 24-Hour tellers in Kenya. Innovations: Technol. Gov. Globalization 2(1\u20132), 63\u201381 (2011)","journal-title":"Innovations: Technol. Gov. Globalization"},{"issue":"8","key":"22_CR15","doi-asserted-by":"publisher","first-page":"1729","DOI":"10.1016\/j.jbankfin.2010.04.008","volume":"34","author":"DB Humphrey","year":"2010","unstructured":"Humphrey, D.B.: Retail payments: new contributions, empirical results, and unanswered questions. J. Bank. Finance 34(8), 1729\u20131737 (2010)","journal-title":"J. Bank. Finance"},{"key":"22_CR16","unstructured":"IndeBank: IndeBank (2010). http:\/\/www.indebank.com\/sms_banking.html . Accessed 24 November 2010"},{"key":"22_CR17","unstructured":"ITU: World Telecommunication\/ICT Indicators Database \u2013 Mobile Cellular Subcriptions (2011). http:\/\/www.itu.int\/ITUD\/ict\/statistics\/ . Accessed 11 March 2011"},{"issue":"4","key":"22_CR18","doi-asserted-by":"publisher","first-page":"7","DOI":"10.1201\/1078.10580530\/45520.22.4.20050901\/90026.2","volume":"22","author":"SL Jarvenpaa","year":"2005","unstructured":"Jarvenpaa, S.L., Lang, K.R.: Managing the paradoxes of mobile technology. Inf. Syst. Manage. 22(4), 7\u201323 (2005)","journal-title":"Inf. Syst. Manage."},{"issue":"3","key":"22_CR19","doi-asserted-by":"publisher","first-page":"271","DOI":"10.1007\/s10645-007-9062-1","volume":"155","author":"N Jonker","year":"2007","unstructured":"Jonker, N.: Payment instruments as perceived by consumers\u2013results from a household survey. De Economist 155(3), 271\u2013303 (2007)","journal-title":"De Economist"},{"issue":"6","key":"22_CR20","doi-asserted-by":"publisher","first-page":"12","DOI":"10.1016\/S1361-3723(07)70077-5","volume":"2007","author":"S Kadhiwal","year":"2007","unstructured":"Kadhiwal, S., Zulfiquar, A.U.: Analysis of mobile payment security measures and different standards. Comput. Fraud Secur. 2007(6), 12\u201316 (2007)","journal-title":"Comput. Fraud Secur."},{"issue":"4","key":"22_CR21","doi-asserted-by":"publisher","first-page":"44","DOI":"10.1109\/COMST.2004.5342298","volume":"6","author":"S Karnouskos","year":"2004","unstructured":"Karnouskos, S., Fokus, F.: Mobile payment: a journey through existing procedures and standardization initiatives. IEEE Commun. Surv. Tutorials 6(4), 44\u201366 (2004)","journal-title":"IEEE Commun. Surv. Tutorials"},{"key":"22_CR22","unstructured":"Khanje, T.: Zain Malawi launches mobile banking service (2010). http:\/\/www.bnltimes.com\/index.php?option=com_content&task=view&id=1692 . Accessed 24 November 2010"},{"issue":"2010","key":"22_CR23","doi-asserted-by":"publisher","first-page":"310","DOI":"10.1016\/j.chb.2009.10.013","volume":"26","author":"C Kim","year":"2010","unstructured":"Kim, C., Mirusmonov, M., Lee, I.: An empirical examination of factors influencing the intention to use mobile payment. Comput. Hum. Behav. 26(2010), 310\u2013322 (2010)","journal-title":"Comput. Hum. Behav."},{"key":"22_CR24","unstructured":"Kim, J., Lee, I., Lee, Y.: Exploring the mobile Internet businesses from a user perspective: a cross-national study in Hong Kong, Japan and Korea. In: Proceedings of the First Mobile Roundtable (2002)"},{"issue":"4","key":"22_CR25","doi-asserted-by":"publisher","first-page":"325","DOI":"10.1504\/IJMC.2005.007021","volume":"3","author":"T Laukkanen","year":"2005","unstructured":"Laukkanen, T., Lauronen, J.: Consumer value creation in mobile banking services. Int. J. Mobile Commun. 3(4), 325\u2013338 (2005)","journal-title":"Int. J. Mobile Commun."},{"issue":"4","key":"22_CR26","doi-asserted-by":"publisher","first-page":"413","DOI":"10.1016\/j.jsis.2007.08.001","volume":"16","author":"N Mallat","year":"2007","unstructured":"Mallat, N.: Exploring consumer adoption of mobile payments-A qualitative study. J. Strateg. Inf. Syst. 16(4), 413\u2013432 (2007)","journal-title":"J. Strateg. Inf. Syst."},{"issue":"5","key":"22_CR27","doi-asserted-by":"publisher","first-page":"42","DOI":"10.1145\/986213.986236","volume":"47","author":"N Mallat","year":"2004","unstructured":"Mallat, N., Rossi, M., Tuunainen, V.K.: Mobile banking services. Commun. ACM 47(5), 42\u201346 (2004)","journal-title":"Commun. ACM"},{"key":"22_CR28","unstructured":"Mashni, R.: Zain expands \u2018Zap\u2019 mobile commerce service to Malawi, Niger and Sierra Leone (2004). http:\/\/www.ameinfo.com\/220486.html . Accessed 9 April 2010"},{"issue":"2","key":"22_CR29","first-page":"27","volume":"7","author":"B Must","year":"2010","unstructured":"Must, B., Ludewig, K.: Mobile money: cell phone banking in developing countries. Policy Matters J. 7(2), 27\u201333 (2010)","journal-title":"Policy Matters J."},{"issue":"2","key":"22_CR30","doi-asserted-by":"publisher","first-page":"241","DOI":"10.2307\/249422","volume":"21","author":"MD Myers","year":"1997","unstructured":"Myers, M.D.: Qualitative research in information systems. MIS Q. 21(2), 241\u2013242 (1997)","journal-title":"MIS Q."},{"key":"22_CR31","unstructured":"NBM: NBM: National Bank of Malawi (2010). http:\/\/www.natbank.co.mw\/index.php?pagename=sms_banking . Accessed 24 November 2010"},{"key":"22_CR32","doi-asserted-by":"crossref","unstructured":"Pagani, M., Schipani, D.: Motivations and barriers to the adoption of 3G mobile multimedia services: An end user perspective in the Italian market, pp. 957\u2013960 (2003)","DOI":"10.4018\/978-1-59140-566-5.ch004"},{"key":"22_CR33","unstructured":"PEEC: Diffusion of Innovation theory resources (2003). http:\/\/www.peecworks.org\/PEEC\/PEEC_Gen\/I00045B6A . Accessed 25 October 2010"},{"key":"22_CR34","unstructured":"Pousttchi, K.: Conditions for acceptance and usage of mobile payment procedures, pp. 201\u2013210 (2003)"},{"key":"22_CR35","volume-title":"Diffusion of Innovations","author":"EM Rogers","year":"1995","unstructured":"Rogers, E.M.: Diffusion of Innovations, 4th edn. Free Press, New York (1995)","edition":"4"},{"key":"22_CR36","volume-title":"Research Methods for Business Students","author":"M Saunders","year":"2003","unstructured":"Saunders, M., Lewis, P., Thornhill, A.: Research Methods for Business Students, 3rd edn. Prentice Hall, New York (2003)","edition":"3"},{"key":"22_CR37","unstructured":"SEEP: Expanding Outreach in Malawi: OIBM\u2019s Efforts to Launch a Mobile Phone Banking Program (2009). http:\/\/www.google.mw\/gwt\/x?q=sms+banking+in+Malawi&ei=lEDtTKDpEZSPjAeYn6LOAw&ved=0CBEQFjAF&hl=en&source=m&rd=1&u=http:\/\/www.opportunity.org\/wpcontent\/uploads\/2010\/07\/Expanding-Outreach-in-Malawi-OIBMs-Efforts-to-Launch-a-Mobile-Phone-Banking-Program.pdf. Accessed 24 November 2010"},{"issue":"3","key":"22_CR38","doi-asserted-by":"publisher","first-page":"283","DOI":"10.1504\/IJEB.2004.005143","volume":"2","author":"K Siau","year":"2004","unstructured":"Siau, K., Sheng, H., Nah, F., Davis, S.: A qualitative investigation on consumer trust in mobile commerce. Int. J. Electron. Bus. 2(3), 283\u2013300 (2004)","journal-title":"Int. J. Electron. Bus."},{"issue":"3","key":"22_CR39","first-page":"19","volume":"2002","author":"J Stavins","year":"2001","unstructured":"Stavins, J.: Effect of consumer characteristics on the use of payment instruments. New England Econ. Rev. 2002(3), 19\u201331 (2001)","journal-title":"New England Econ. Rev."},{"issue":"1","key":"22_CR40","doi-asserted-by":"publisher","first-page":"10","DOI":"10.1016\/j.cose.2004.11.001","volume":"24","author":"T Tsiakis","year":"2005","unstructured":"Tsiakis, T., Sthephanides, G.: The concept of security and trust in electronic payments. Comput. Secur. 24(1), 10\u201315 (2005)","journal-title":"Comput. Secur."},{"key":"22_CR41","unstructured":"Wandawanda, B.: Business dexterity: Can mobile business solutions offer a sustainable competitive advantage? Masters dessertation. United Kingdom: University of Derby (2005)"},{"issue":"5","key":"22_CR42","doi-asserted-by":"publisher","first-page":"719","DOI":"10.1016\/j.im.2004.07.001","volume":"42","author":"JH Wu","year":"2005","unstructured":"Wu, J.H., Wang, S.C.: What drives mobile commerce?: an empirical evaluation of the revised technology acceptance model. Inf. Manag. 42(5), 719\u2013729 (2005)","journal-title":"Inf. Manag."},{"key":"22_CR43","unstructured":"Zain: Zain dials up mobile banking in Africa with Zap (2011). http:\/\/www.zain.com\/muse\/obj\/lang.default\/portal.view\/content\/Media%20centre\/Press%20releases\/ZapLaunchAfrica . Accessed 8 March 2011"},{"key":"22_CR44","unstructured":"Zain: Zain expands \u2018Zap\u2019 Mobile Commerce service to Malawi, Niger and Sierra Leone (2010). http:\/\/www.zain.com\/muse\/obj\/lang.default\/portal.view\/content\/Media%20centre\/Press%20releases\/ZapExpansion . Accessed 8 March 2011"}],"container-title":["Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering","e-Infrastructure and e-Services for Developing Countries"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/978-3-319-08368-1_22","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,4,14]],"date-time":"2022-04-14T11:50:41Z","timestamp":1649937041000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/978-3-319-08368-1_22"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2014]]},"ISBN":["9783319083674","9783319083681"],"references-count":44,"URL":"https:\/\/doi.org\/10.1007\/978-3-319-08368-1_22","relation":{},"ISSN":["1867-8211","1867-822X"],"issn-type":[{"type":"print","value":"1867-8211"},{"type":"electronic","value":"1867-822X"}],"subject":[],"published":{"date-parts":[[2014]]},"assertion":[{"value":"14 August 2014","order":1,"name":"first_online","label":"First Online","group":{"name":"ChapterHistory","label":"Chapter History"}}]}}