  The proliferation of mobile phones has made mobile payments to be widely used
in developing economies. However, mobile payment usage in Malawi is low, and
there are many limitations to encourage users to continuously use mobile
payments. The purpose of this research was to examine determinants of
continuous intention to use mobile payments in Malawi. A conceptual framework
adapted from Technology Acceptance Model was developed. Data was collected
through a survey while data analysis used Structural Equation Modelling Partial
Least Squares using SmartPLS software. The findings of this study showed that
society norms significantly influence continuous intention to use mobile
payments (p=0.012). Most interestingly, prior knowledge (p=0.000) and
seamlessness (p=0.000) had the strongest influence as compared to structural
assurance (p=0.008). Seamlessness significantly influenced satisfaction
(p=0.002) and society norms (p=0.001). Seamlessness and service quality had
significantly negative effects on satisfaction. The findings of this research
provide several considerations to guide the mobile payments industry in Malawi.
The findings may also improve the existing mobile payments system's business
models, marketing strategies, customer engagement on security issues,
transparency, and interoperability of payment systems. Regulators may also find
the findings of this study very insightful in advancing the mobile payments
agenda in Malawi.
