The rising popularity of mobile payments can be attributed to the widespread use of smartphones and their applications. Despite its potential to simplify our lives, its adoption in African countries has been limited. This paper aims to enhance our understanding of the critical factors that influence the acceptance of mobile payments in Nigeria by exploring the impact of network externalities in addition to conventional technology acceptance factors. It posits that performance expectancy, effort expectancy, social influence, trust, and network externality are the key drivers of mobile payment acceptance. The research findings indicate that while traditional drivers still have an impact on customer's willingness to adopt mobile payment, network externalities have the strongest influence. The paper provides recommendations for future research, although the results did not support the impact of effort expectancy.

翻译：移动支付的日益普及可归因于智能手机及其应用的广泛使用。尽管移动支付具有简化生活的潜力，但在非洲国家的采纳率仍然有限。本文旨在通过探索网络外部性及传统技术采纳因素对尼日利亚移动支付接受度的影响，加深对关键影响因素的理解。研究假设绩效预期、努力预期、社会影响、信任和网络外部性是移动支付采纳的核心驱动因素。研究结果表明，传统驱动因素仍对用户采纳移动支付的意愿产生影响，但网络外部性的影响最为显著。尽管研究结果未支持努力预期的影响，本文仍为未来研究提供了建议。