Mobile payment has become increasingly popular due to the widespread use of smartphones and their applications. However, its adoption in African countries has been limited, despite its potential to simplify our lives. This study aims to enhance our understanding of the factors that affect the acceptance of mobile payment in Nigeria. To achieve this, the paper explores the impact of "network externalities" in addition to traditional technology acceptance factors. The study hypothesizes that the key drivers of mobile payment acceptance are performance expectancy, effort expectancy, social influence, trust, and network externality. The research findings suggest that while traditional drivers still play a role in customers' willingness to adopt mobile payment, network externalities have the strongest impact. Although the results did not support the influence of effort expectancy, the paper provides recommendations for future research.

翻译：由于智能手机及其应用的广泛普及，移动支付日益流行。然而，尽管移动支付具有简化生活的潜力，其在非洲国家的采纳程度仍然有限。本研究旨在深化我们对影响尼日利亚移动支付接受度因素的理解。为此，本文除了探讨传统技术接受因素外，还研究了"网络外部性"的影响。研究假设移动支付接受度的关键驱动因素为绩效期望、努力期望、社会影响、信任和网络外部性。研究结果表明，虽然传统驱动因素仍对客户采纳移动支付的意愿发挥作用，但网络外部性的影响最为显著。尽管结果未能证实努力期望的影响，本文仍为未来研究提供了建议。