ABSTRACT

The world is now in human palms due to the rapid proliferation of technology e.g. mobile money transferring. Consequently, the information technology has been sensed as a tool for development which is influencing human well-being. This research embarks upon to examine the influence of UTAUT2 model on the subjective well-being of the bKash agents (micro-entrepreneurs) who belong to the underdeveloped societal group. Data were gathered from the bKash agents in Bangladesh with a response rate of 37.5% and was analyzed by SEM-PLS3.0 statistical software. The results reveal that price value strongly predicts behavioral intention for accepting and using mobile financial services along with other factors. Most importantly, the result suggests that the usage behavior of mobile financial services influences the subjective well-being of the respondents. Adjoining the concept of subjective well-being with a unified theory of acceptance and usage of technology is the paper’s uniqueness to the ‘development’ knowledge domain.

摘要

由于诸如移动货币转账之类的技术的迅速普及，当今世界处于人为掌控之中。因此，信息技术被视为影响人类福祉的发展工具。这项研究着手研究UTAUT2模型对属于欠发达社会群体的bKash行为主体（微型企业家）的主观幸福感的影响。从孟加拉国的bKash代理商收集数据，答复率为37.5％，并通过SEM-PLS3.0统计软件进行了分析。结果表明，价格值强烈预测了接受和使用移动金融服务以及其他因素的行为意图。最重要的是，结果表明移动金融服务的使用行为会影响受访者的主观幸福感。