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


COVID 19 had devastating consequences for the migration crisis. 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 the primary livelihood of mobile remittance recipients. It is essential for service providers to gain insights into users’ motives for using mobile remittance services. Thus, this study proposed a model by extending the UTAUT model and integrating it with perceived cost and perceived security. Based on the survey data (n=344), the proposed model was tested using ANOVA. The findings reveal that performance expectancy, effort expectancy, perceived cost, and perceived security affect users’ behavioral intention to use mobile remittance applications. Social influence non-significantly affects behavioral intention, and there is no significant influence of facilitating conditions on users’ behavior. Under the pandemic crisis conditions, the findings of the study provide several practical implications on how service providers could improve their products and services to increase mobile
remittance application usage.
Original languageEnglish
Number of pages25
JournalInformation Technology and People
Early online date20 Sep 2022
Publication statusE-pub ahead of print - 20 Sep 2022

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.


  • risk analysis
  • Cyber attacks
  • mobile application
  • Fintech


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