An Assessment of the Factors Affecting Mobile Money Provision in Lufwanyama

Abstract

This article analyzes mobile money provision in Lufwanyama District using a descriptive research design aligned to the Technology Acceptance Model. The study surveyed 384 respondents. Lufwanyama is estimated to have 303 agents which yields an agent to population ratio of 1 to 439 and 22.79 agents per 10,000 people. Provider presence is broad for Kazang at 62.5 percent, MTN at 61.7 percent, and Airtel at 60.4 percent with Zamtel present in 13.5 percent of areas. Access remains uneven as 11.7 percent of respondents report no agent within 1 to 2 kilometers and 8.1 percent travel more than 5 kilometers to the nearest agent. Awareness is near universal and use is universal in the sample. Perceived usefulness and ease of use are high while trust is mixed. The most frequently cited constraint is poor network coverage reported by 86.7 percent followed by high transaction fees at 49.7 percent and both limited agent availability and trust or security concerns at 37.8 percent. Findings support targeted expansion of agent coverage improvements in rural connectivity, stronger liquidity management and user protection measures to deepen financial inclusion.