Migration and Financial Transactions: Factors Influencing Mobile Remittance Service Usage in the Pandemic

Wei-Lun Chang*, Vladlena Benson

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review


Purpose: In the global migration crisis COVID 19 had devastating consequences. Workers were confined to their locations due to travel restrictions and working from home became “working away from home” for millions of migrant workers. Mobile financial services emerged as key to livelihood of the mobile remittance recipients. It is essential for service providers to gain insights of users' motives to use mobile remittance services. Design/methodology/approach: This study proposed the model by extending unified theory of acceptance and use of technology (UTAUT) model and integrating by perceived cost (PC) and perceived security (PS). Based on the survey data (n = 344) the proposed model was tested using analysis of variance (ANOVA) analysis. Findings: The findings reveal that performance expectancy, effort expectancy, PC and PS affect the users' behavioral intention (BI) to use mobile remittance applications. Social influence nonsignificantly affects the BI and there is no significant influence of facilitating conditions on user behavior. Originality/value: The volume of migrant workers preCOVID 19 reached 3.5% of the global population, the shear number of unprotected workers plunged into devastation by the COVID-19 impact is huge to cause an economic meltdown. Under the pandemic crisis conditions, the findings provide several practical implications on how service providers could improve their products and services to increase mobile remittance applications usage.

Original languageEnglish
Pages (from-to)2112-2136
Number of pages25
JournalInformation Technology and People
Issue number5
Early online date20 Sept 2022
Publication statusPublished - 19 Jul 2023

Bibliographical note

© 2022, Emerald Publishing Limited. This author's accepted manuscript (AAM) is deposited under the CC BY-NC 4.0 licence. Any reuse is allowed in accordance with the terms outlined by the licence. To reuse the AAM for commercial purposes, permission should be sought by contacting permissions@emeraldinsight.com.


  • Migrant worker
  • Mobile remittance
  • Remote working practices
  • Technology adoption


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