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<p>Over the past decade, the antecedents of electronic payment (e-payment) adoption have been studied extensively in the extant literature. Nonetheless, these studies have often investigated how individual antecedents affect adoption behaviour rather than exploring how combinations of variables influence this process. To address this research gap, this study employs both symmetric and asymmetric techniques to analyse the isolated effects of variables and their synergistic interplay that leads to the desired outcome. Employing a research design that is cross-sectional in nature, the study compiled and analysed data from 241 fast moving consumer goods (FMCG) business owners and managers in the Sekondi-Takoradi municipality of Ghana, utilizing partial least squares-structural equation modelling (PLS-SEM) and fuzzy set qualitative comparative analysis (FSQCA) techniques. The findings indicate that effort expectancy, social influence, and facilitation conditions are the key drivers influencing adoption of e-payment systems by FMCG businesses in Ghana. However, electronic transaction levy (e-levy) weakens the link between the intention to adopt e-payment and actual adoption. The FSQCA results indicate that e-payment adoption by FMCG businesses can be explained through three configurational paths, suggesting the existence of multiple equifinal pathways to high e-payment adoption intentions. These findings may assist policymakers and Fintech companies in enhancing the adoption of e-payment platforms among FMCG businesses in Ghana.</p>

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Adoption of electronic payment platforms by fast moving consumer goods (FMCG) businesses in Ghana: PLS-SEM and FSQCA approaches

  • 期刊论文

  • 发表日期：

    2025年4月29日

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  • Thomas Appiah,
  • Blessed Assefuah,
  • Veronica Venyo Agblewornu,
  • Nelly Mac-Arhin Forson,
  • Grace Donkoh

摘要

Over the past decade, the antecedents of electronic payment (e-payment) adoption have been studied extensively in the extant literature. Nonetheless, these studies have often investigated how individual antecedents affect adoption behaviour rather than exploring how combinations of variables influence this process. To address this research gap, this study employs both symmetric and asymmetric techniques to analyse the isolated effects of variables and their synergistic interplay that leads to the desired outcome. Employing a research design that is cross-sectional in nature, the study compiled and analysed data from 241 fast moving consumer goods (FMCG) business owners and managers in the Sekondi-Takoradi municipality of Ghana, utilizing partial least squares-structural equation modelling (PLS-SEM) and fuzzy set qualitative comparative analysis (FSQCA) techniques. The findings indicate that effort expectancy, social influence, and facilitation conditions are the key drivers influencing adoption of e-payment systems by FMCG businesses in Ghana. However, electronic transaction levy (e-levy) weakens the link between the intention to adopt e-payment and actual adoption. The FSQCA results indicate that e-payment adoption by FMCG businesses can be explained through three configurational paths, suggesting the existence of multiple equifinal pathways to high e-payment adoption intentions. These findings may assist policymakers and Fintech companies in enhancing the adoption of e-payment platforms among FMCG businesses in Ghana.