Received: 17 Feb 2019 , Published: 21 February 2019
Views: 52 , Download: 19
Mobile payment is a strongly emerging payment method in Ghana, notwithstanding that, it has brought an interoperability issues among the competing firms which has drawn the attention of present government and various stakeholders of Ghana. This study seeks to identify the recent major methodological changes that have taken place in line with the current ongoing debate on mobile payment interoperability.
Methodologically, this study employs secondary data from the internet for the analysis. The first steps seek to explain interoperability as a new concept in the mobile payment companies. The second involves explaining the theoretical premises of the interoperability phases and the third involves the practical and policy implications upon which they are made and the future security issues.
The study uses secondary data from daily graphic, internet and archival sources. The study follows mixed method, both quantitative and qualitative approach. Statistical tools such as tables and charts and diagrams are used to present the data to indicate their relationships. The findings revealed that even without interoperability in place, Ghana has lost about 25milllion dollars in 2016 increasing to some 69 million dollars in 2017 and 97 million dollars as at August of 2018 .This called for key stakeholders, such as central banks ,Cyber security centre and strong regulatory framework to be established for the nation. Based on the expected outcome of the findings, the study offers useful recommendations for scholars and practitioners and their implication for further research and managements of mobile payment companies in Ghana.
Creswell, J.W. (1994).Research design: Qualitative and quantitative approaches.ThousandsOaks,CA:sage , 42.
Pousttchi,k.(2003). Conditions for acceptance and usage of mobile payment procedures .The second international conference on mobile business. 201-210.
Havrychyk ,O., and Jurzyk, E. (2006). Profitability of foreign banks in Central and Eastern Europe: Does the entry mode matter? Bank of Finland, BOFIT Discussion Papers 5.
Pousttchi,K.Schiessler,M. and Wiedemann,D.G.(2009). Proposing a comprehensive framework for analysis and engineering of mobile payment business models. Information Systems and e-Business Management, Vol. 7, Issue 3, 363–393 .
Porteous, D. (2006). The enabling environment for mobile banking in Africa. London: DFID
Mbogo,M.(2010). The Impact of Mobile Payments on the Success and Growth of Micro-Business: The Case of M-Pesa in Kenya.
Viehland, D and Leong, R .S. Y (2007). “Acceptance and Use of Mobile Payments”. Proceedings of the 18th Australasian Conference on Information Systems. Toowoomba.
Davis, F .D (1989) “Perceived Usefulness, Perceived Ease of Use and User Acceptance of Information Technology”. MIS Quarterly13 (3), 319-339.
Saunders et al., (2007). The impact of institutional ownership on corporate operating performance .Journal of Banking and Finance ,Vol.31,Issue 6,1771-1794.
Alrubaiee ,L. and Al-Nazer, N,.(2010). Investigate the Impact of Relationship Marketing Orientation on Customer Loyalty: The Customer's Perspective. Internal Journal of Marketing studies ,Vol.2 No.1 .
Mensah et al.,( 2003).Corporate Governance and Corruption in Ghana” A Report prepared for IDRC CRD I ACMF CIPE
Cheung, T. Chi. and Qiang, Chen(1997).Internal audit at Guangdong Nuclear Power Joint Venture Company Limited, Managerial Auditing Journal, 12(4): 219-226.
Coopers and Lybrand (1992).Committee of Sponsoring Organizations of the Treadway Commission (COSO),Internal Control – Integrated Framework, AICPA, New York, U.S. Vol. 1-4.
Choi,Y.S., Hyeon,J. , Jung,T. ,Lee,W,J. (2018). Audit Pricing of Shared Leadership. Emerging Markets Finance and Trade, vol.54, 336-358.
Spratt, Walker, and Robinson, (2004) .electronic commerce and organizational leadership, perspectives and methodologies. Mixed research methods. International Journal of Disability, Development and Education.Vol. 51, No. 2, 1-29.
Frimpong, N.O and Martins, A. (2010).An evaluation of customers' perception and usage of rural community banks (RCBs) in Ghana’, journal of Emerging Markets 3(2): 181—96.
Johnson et al. (2007): Toward a Definition of Mixed Methods Research .Journal of Mixed Methods Research Vol. 1 issue: 2, 112-133 .