Behavioural Intention to use Mobile Money Services in the Gambia: A case study of wave

This Study investigates the behavioural intention to use mobile money services in the Gambia: Case study of Wave. A Qualitative explanatory approach was employed, with data collected through distribution to 120 respondents. The SmartPLS 4’s Partial Least Squares–Structural Equation Modeling (PLS-SEM) was used for the analysis.. The study is based on the Technology Acceptance Model (TAM), which was first presented by Davis and colleagues in 1989.It is a theoretical framework that builds upon the Theory of Reasoned Action (TRA). TRA suggests that an individual‟s response or perception of something can influence their behaviour. The findings indicate that perceived usefulness, perceived ease of use, and perceived trust have a significant influence on intention to use mobile money services. These results suggest that to enhance user adoption and satisfaction, Wave Mobile Money should maintain its simple app design and onboarding process, focusing on user-centred design to reduce effort and improve usability.