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Mobile Payments Affordance as a Driver for End User Entrepreneurship: Merchant Perspectives From Ghana

Mobile Payments Affordance as a Driver for End User Entrepreneurship: Merchant Perspectives From Ghana

Eunice Yeboah Afeti, Acheampong Owusu
Copyright: © 2022 |Volume: 12 |Issue: 2 |Pages: 20
ISSN: 1947-8585|EISSN: 1947-8593|EISBN13: 9781683181224|DOI: 10.4018/IJEEI.314467
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MLA

Afeti, Eunice Yeboah, and Acheampong Owusu. "Mobile Payments Affordance as a Driver for End User Entrepreneurship: Merchant Perspectives From Ghana." IJEEI vol.12, no.2 2022: pp.1-20. http://doi.org/10.4018/IJEEI.314467

APA

Afeti, E. Y. & Owusu, A. (2022). Mobile Payments Affordance as a Driver for End User Entrepreneurship: Merchant Perspectives From Ghana. International Journal of E-Entrepreneurship and Innovation (IJEEI), 12(2), 1-20. http://doi.org/10.4018/IJEEI.314467

Chicago

Afeti, Eunice Yeboah, and Acheampong Owusu. "Mobile Payments Affordance as a Driver for End User Entrepreneurship: Merchant Perspectives From Ghana," International Journal of E-Entrepreneurship and Innovation (IJEEI) 12, no.2: 1-20. http://doi.org/10.4018/IJEEI.314467

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Abstract

This explorative study uses the affordance theory to offer an in-depth understanding of how mobile payment affordances are unconventionally facilitating the rise of end-user entrepreneurs, and to explore why these end-user entrepreneurs expand and commercialize their creative ideas. Qualitatively, the researchers interviewed 20 end-user entrepreneurs in eight merchant firms. The data suggest that six significant affordances may serve as motivating factors for the merchant to switch to end-user entrepreneurship. These affordances are the following: i) incorporating informal peer-to-peer business approach; ii) frequent and small transactions settling; iii) greater flexibility in service delivery; iv) new business model development; v) informal finance networks; and vi) financial affordance. Employing a developing economy perspective with a particular focus on Ghana, this paper contributes to both the mobile payment research and end-user entrepreneurial studies, extending the existing knowledge in the area and providing interesting opportunities for future studies.

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