Abstract
This model was developed with close reference to the model used by Japan in their
implementation of Mobile Suica a mobile wallet system which has served their transport woes
since 2001 .The findings from this research showed that the previously proposed model for the
adoption and acceptance of mobile technology, the TAM and the UTAUT can fully apply to the
Zimbabwean economy with the additional of three more cons tructs which are political influence,
economic influence and interoperability of MNOs. In this research, the researcher recommended
that in order t o increase the utilisation of mobile money in the retail sector, more retailers must
register as merchants so that consumers can use the m payment facility. The MNOs should also
reduce their tariffs so that it becomes cheaper and convenient for the consumer to make
payments through a mobile money system. Fu rther studies should focus on the utilisation of
mobile m oney in other facets of the retail sector to include fast food outlets, hardware shops and
fashion shops.
Key words
: Mobile payments, Mobile money, Mobile
e, S (2021). A Model For The Effective Utilisation Of Mobile Payment Systems In Zimbabwe’s Retail Sector. Afribary. Retrieved from https://afribary.com/works/a-model-for-the-effective-utilisation-of-mobile-payment-systems-in-zimbabwe-s-retail-sector
E, Stanford "A Model For The Effective Utilisation Of Mobile Payment Systems In Zimbabwe’s Retail Sector" Afribary. Afribary, 02 May. 2021, https://afribary.com/works/a-model-for-the-effective-utilisation-of-mobile-payment-systems-in-zimbabwe-s-retail-sector. Accessed 08 May. 2024.
E, Stanford . "A Model For The Effective Utilisation Of Mobile Payment Systems In Zimbabwe’s Retail Sector". Afribary, Afribary, 02 May. 2021. Web. 08 May. 2024. < https://afribary.com/works/a-model-for-the-effective-utilisation-of-mobile-payment-systems-in-zimbabwe-s-retail-sector >.
E, Stanford . "A Model For The Effective Utilisation Of Mobile Payment Systems In Zimbabwe’s Retail Sector" Afribary (2021). Accessed May 08, 2024. https://afribary.com/works/a-model-for-the-effective-utilisation-of-mobile-payment-systems-in-zimbabwe-s-retail-sector