Predictors of Mobile Technology Adoption for NHIS Renewal Service in the Lower Manya Krobo Municipality in the Eastern Region, Ghana

Abstract

Background: The National Health Insurance Authority in the past few years has introduced mobile phone renewal and premium payment services in an effort to increase enrollment. A social intervention program to make health care delivery affordable in Ghana. The success of this innovation are dependent on many factors. To be able to understand the factors Technology Acceptance Model (TAM) was examined to explain subscribers’ intention to use the NHIS Mobile Renewal Service. Methodology: The study adopted a cross-sectional survey using a quantitative approach to solicit the required information from about 211 respondents living in the Lower Manya Krobo Districts in the Eastern Region of Ghana. Ordinary Least Square (OLS) regression was employed to estimate the influencing factors of the intention to use mobile renewal service. Findings: Results of the study provided significant results to confirmed that Technology Acceptance Model (TAM) is an acceptable theory that offer a practical description of a subscribers’ intention to use and adoption of Mobile Renewal Service. The study reported T statistics greater than 1.96 and P-value less than 0.05 for all the independent variables except Transaction Cost (T statistics of 0.32 and P-value of 0.750) indicating that the independent variables, namely System Quality (T statistics of 3.83 and P-value of 0.01) , Accessibility (T statistics of 4.36 and P-value of 0.01), and Perceived Usefulness (T statistics of 3.06 and P-value of 0.01) have positive significant correlation correlation between the dependent intention to use the mobile renewal service. Conclusion: It can be concluded that perceived usefulness, system quality and accessibility enables subscribers’ intention to use the mobile renewal service. The result also concludes that Transactional cost is not an enabling factor for user’s intention to use the service.