Perceived Usefuleness

Perceived usefuleness

PU1

1. If Milma/GP accept payment through mobile money, it is likely to be more convenient than using cash.

Strongly disagree strongly agree

1 2 3 4 5

PU2

1. Mobile money is likely to be useful for my daily cash transactions.

Strongly disagree strongly agree

1 2 3 4 5

PU3

1. Mobile money gives me a good alternative to cash/debit card.

Strongly disagree strongly agree

1 2 3 4 5

Perceived Ease of Use

PEOU1

1. Learning to use mobile money is easy for me.

Strongly disagree strongly agree

1 2 3 4 5

PEOU2

1. Mobile money involving sms for transactions is complicated to use.

Strongly disagree strongly agree

1 2 3 4 5

Speed

SP1

1. Using Mobile money is likely to be faster than visiting an atm machine and withdrawing cash or using credit card/net banking.

Strongly disagree strongly agree

1 2 3 4 5

Accessibility

A1

1. Mobile money will be more accessible than visiting a bank/atm machine

Strongly disagree strongly agree

1 2 3 4 5

A2        

1. Mobile money will allow me to make remittances (within and across cities) anywhere /anytime.

Strongly disagree strongly agree

1 2 3 4 5

Advertising and Incentives

AT1

1. I would use mobile money if I could get more information about it.

Strongly disagree strongly agree

1 2 3 4 5

AT2

1. Advertising on mobile money services is not enough to encourage people to try it

Strongly disagree strongly agree

1 2 3 4 5

AT3

1. I would use mobile money if there are associated reward points or incentives

Strongly disagree strongly agree

1 2 3 4 5

Alternatives

AL1

1. I will use mobile money if other options like atm/debit card are not available

Strongly disagree strongly agree

1 2 3 4 5

Knowledge and Experience of using Mobile money

KE1

1. I do not need anyone to demonstrate how to use mobile money because I can learn it by myself.

Strongly disagree strongly agree

1 2 3 4 5

KE2

1. I will use mobile money if I see someone else using it or someone from among my friends/relatives recommends it.

Strongly disagree strongly agree

1 2 3 4 5

Perceived cost

PC1

1. It will cost a lot to use mobile money.

Strongly disagree strongly agree

1 2 3 4 5

PC2

1. There are financial barriers (e.g., m-wallet account opening cost, handset and communication time) in using

mobile money.

Strongly disagree strongly agree

1 2 3 4 5

Structural barriers

S1

1. There are availability barriers( e.g. not many vendors have this facility)

Strongly disagree strongly agree

1 2 3 4 5

Perceived Risk

PR1

1. Mobile money is unreliable because I am afraid that my personal or transaction detail would be leaked

during message passing.

Strongly disagree strongly agree

1 2 3 4 5