An Exploration of Mobile Money Transfer Service Adoption among Islamic Bank Customers in Somalia

Penerimaan Perkhidmatan Pemindahan Wang Mudah Alih antara Pelanggan Bank Islam di Somalia


  • Dauud Mohamed Suleiman
  • Hamdino Hamden


Mobile Money Transfer Service (MMTS), Somalia, Technology Acceptance Model (TAM)


The world is changing rapidly due to technology, which is becoming an increasing necessity in the daily lives of people. Mobile Money Transfer Service (MMTS) is an alternative form of cash money that demonstrates the concept of electronic payment. Dahabshiil Bank International and Salam Somali Bank adopted MMTS in Somalia in partnership with a telecommunication company provider for MMTS. There has been no prior study conducted on the important factors affecting the adoption of MMTS among Islamic banking customers in Somalia. Based on the extended Theory of Technology Acceptance Model (TAM), perceived usefulness, perceived ease of use, perceived trust and perceived risk are used as predictors. The main objective of this study is to explore the customer acceptance on the important factors that influence the MMTS adoption among Islamic bank customers in Somalia. The target population of the study is Somali residents who use the MMTS and have bank accounts. This research, using statistical methods, collected data from 404 customers. The result of this study shows that the factors that influence the adoption of MMTS are perceived ease of use, perceived usefulness, perceived trust, which were found to be positive and significant while perceived risk was negative and significant.

Dunia berubah dengan pesat disebabkan oleh teknologi, yang menjadi keperluan yang semakin meningkat dalam kehidupan harian setiap orang. Perkhidmatan Pemindahan Wang Mudah Alih (MMTS) adalah bentuk wang tunai alternatif yang menunjukkan konsep pembayaran elektronik. Dahabshiil Bank International dan Salam Somali Bank mengamalkan MMTS di Somalia dengan kerjasama syarikat penyedia telekomunikasi MMTS. Tidak ada kajian terdahulu yang dijalankan terhadap faktor-faktor penting yang mempengaruhi penggunaan MMTS di kalangan pelanggan perbankan Islam di Somalia. Berdasarkan kepada Teori Penerimaan Teknologi (TAM) yang diperluaskan, kegunaan yang dirasakan, mudah difahami, diyakini dan dipercayai serta penerimaan risiko, digunakan sebagai peramal. Objektif utama kajian ini adalah untuk meneroka penerimaan pelanggan terhadap faktor-faktor penting yang mempengaruhi penerimaan MMTS di kalangan pelanggan bank Islam di Somalia. Penduduk sasaran kajian ini adalah penduduk Somalia yang menggunakan MMTS dan mempunyai akaun bank. Kajian ini, menggunakan kaedah statistik, mengumpul data daripada 404 pelanggan. Keputusan kajian ini menunjukkan bahawa faktor-faktor yang mempengaruhi penggunaan MMTS adalah mudah digunakan, dilihat sebagai kegunaan, kepercayaan yang dirasakan didapati positif dan signifikan manakala penerimaan risiko dianggap negatif dan signifikan.






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How to Cite

Mohamed Suleiman, D. ., & Hamden, H. . (2018). An Exploration of Mobile Money Transfer Service Adoption among Islamic Bank Customers in Somalia: Penerimaan Perkhidmatan Pemindahan Wang Mudah Alih antara Pelanggan Bank Islam di Somalia. Journal of Management and Muamalah , 8(1), 72-85. Retrieved from