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The aim of the study is to examine the role of social capital in the formation of mobile financialservice users’ adoptive behaviours toward service providers in the context of the financialtechnological regime of Ghana. The study used a total of 417 sample data from a self-administeredquestionnaire to achieve its objectives. Structural equation modeling was employed to analyze thedirect effects of social capital and the mediation role of cognitive-based trust and affective-based truston mobile financial service. The results of the study demonstrate that social capital, cognitive-basedand affective-based trust collaboratively impact on the adoptive lifestyle of mobile financial serviceusers. Specifically, both cognitive-based and affective-based trust mediate between social capital andmobile financial inclusion to inform users’ behavioral intentions. The results however, reveals thataffective-based trust plays a significant role in shaping mobile financial service users’ behavioralintentions than cognitive-based trust. In detail, the study indicates that social capital directly impactson the adoptive behavior of mobile financial service users. It is therefore, recommended that in thepresent era of Covid-19 pandemic and its attendant social distancing protocols, mobile financialservice providers should invest heavily in social media channels to develop their corporate socialcapital brand in order to deepen their bondage with users. The study makes a vital contribution to theevolving debate on mobile financial inclusion, information system and consumer psychology fromAfrican perspective. The study acknowledges the contributions of prior studies to the afore-mentionedstrands of discipline and the chasm in literature. Specifically, this study is the first of its kind toempirically examine the influential functions of social capital, cognitive-based trust and affective-basedtrust on mobile financial inclusion from the len of the Ghanaian financial technological landscape.The study will equip industry players with the needed know-how to enhance their profitability andoperational competitiveness.

The study was commissioned to investigate the complex behavioral dispositions of the mobile money service industry in Ghana, and its associated operational challenges. To achieve this, the views of 417, participants were sampled via a structured survey instrument. Tosmana and AMOS Graphics were used to analyze the sample data. The findings of the study demonstrate that the behavioral dispositions of mobile money clientele can be explained through twelve complex solutions. The six-factor model of the study constructs produced an overall solution coverage of 0.94, and an overall solution consistency of 0.80. Furthermore, the AVE and Cronbach’s alpha statistics of the study constructs were found to be above the recommended threshold of > 0.5 and ≥ 0.7, respectively. Moreover, cyber fraud, risky service landscape, poor network, insufficient electronic funds, unforgiven competition, and low financial literacy were identified as the main challenges bedeviling the mobile money industry. It is therefore, recommended that mobile money service providers as a matter of urgency must devise strategies to arrest these challenges in order to heighten service quality in the industry. Again, to ensure market leadership within the mobile money service industry, managers must develop varied product offerings to meet customers’ expectation in each stratum of the twelve complex solutions as enshrined in the findings of the study. Citation: Ampaw, M. E., Adu-Sackey, A., Baffoe, S., Frempong, J., Nbolen, M. N. A. and Azaare, J. (2021). More than one road goes to Rome: Understanding the complex behavioral solutions of mobile money clientele from the lens of fsQCA. International Journal of Technology and Management Research (IJTMR), Vol. 6 (2): Pp.1－20. Received: January 3, 2021Accepted: September 1, 2021

This study examined risk exposure and auto insurance premium determinants in Ghana. We analysed an existing data set of 23 434 policies (without claims = 84.1%, policies with claims = 15.9%; compre...

Notwithstanding various media reports on casualties in systems due to the emergence of COVID-19, it is envisaged to have a solution. By far, this study investigates how countries’ bilateral trade relationship is distorted due to COVID-19. More so, it examines the economic and financial divergence in systems from the capital perspectives. Finally, it considers the changes in various industries that are affected directly as a result of the COVID-19 outbreak and its distortion in the business model. Employing a case study approach, we conclude that there is a distortion in the supply chain system which has effects on trade relationships. While significant capital deploying strategies were found as mitigation during the pandemics, there is an indecisive business model for the future with inordinate changes in business models during the periods of COVID-19. There is also a risk exposure in both economic decisions and business models due to the uncertain signals of COVID-19. We discuss our findings within the theoretical framework of capital allocation, information/signaling, and adoption perspectives.