Unravelling the Intention to Continue Using Mobile Money Services in Tanzania

The study focused on identifying the drivers of users' intention to continue using mobile money services and examining the moderating role of perceived security. The study employed Partial Least Squares Structural Equation Modelling to analyze 341 responses. The findings show that system, information, and service quality influence perceived usefulness and perceived ease of use. Additionally, perceived usefulness, perceived ease of use, security, and convenience drive users' intention to continue using mobile money services. However, user satisfaction does not influence users' intention to continue using mobile money services. Moreover, the study found that perceived security moderates the relationship between user satisfaction and intention to continue using mobile money services. The findings validate previous studies while also extending the existing literature on mobile money services. Furthermore, the study provides theoretical and managerial implications for mobile money service providers, the government, and the academic community.