From USSD to apps: Understanding mobile money platform preferences among Zimbabwean youths.
1 Department of Software Engineering, Faculty of Technology, Zimbabwe Open University, Harare, Zimbabwe.
2 Department of Information Technology, Faculty of Technology, Zimbabwe Open University, Harare, Zimbabwe.
Research Article
Open Access Research Journal of Science and Technology, 2025, 13(01), 058-068.
Article DOI: 10.53022/oarjst.2025.13.1.0034
Publication history:
Received on 04 January 2025; revised on 13 February 2025; accepted on 16 February 2025
Abstract:
This research investigates the factors influencing the choice between Unstructured Supplementary Service Data (USSD) and mobile money applications among young people in Zimbabwe. With the increase in mobile money services, an understanding of user preferences is crucial for providing platform support services, enhancing financial inclusion and service delivery. The study uses a quantitative survey to gather data from a diverse sample of young Zimbabweans aged between 18-35 years. Key findings indicate that while USSD remains popular due to its accessibility and ease of use on basic mobile phones, mobile money apps are gaining traction among tech-savvy users who are interested in advanced features and user experience. Smartphone penetration, internet accessibility, transaction costs, and perceived security significantly influence the choice of mobile money platform The research highlights the need for mobile money providers to tailor their services to meet the diverse needs of young users, promoting broader financial inclusion and economic participation.
Keywords:
User interaction; Technology uptake; USSD; Mobile money; Mobile money app
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Copyright information:
Copyright © 2025 Author(s) retain the copyright of this article. This article is published under the terms of the Creative Commons Attribution Liscense 4.0