| 摘要 | 第5-8页 |
| ABSTRACT | 第8-10页 |
| Chapter 1 Introduction | 第20-36页 |
| 1.1 Research Background and Significance | 第20-25页 |
| 1.2 The Problem of the Study | 第25-28页 |
| 1.3 Research Questions and Objectives | 第28-29页 |
| 1.4 Research Contribution | 第29-32页 |
| 1.5 Organization of the Dissertation | 第32-36页 |
| Chapter 2 Literature Review | 第36-64页 |
| 2.1 Introduction | 第36页 |
| 2.2 Sociocultural, Perceived Initial Trust, and Perceived Risk | 第36-42页 |
| 2.2.1 Sociocultural Concept | 第37-38页 |
| 2.2.2 Perceived Initial Trust Concept | 第38-41页 |
| 2.2.3 Perceived Risk Concept | 第41-42页 |
| 2.3 Understanding Mobiles Financial Services Dimensional Concepts | 第42-46页 |
| 2.3.1 Mobile Financial Services | 第42-43页 |
| 2.3.2 Mobile Banking | 第43-44页 |
| 2.3.3 Mobile Payment | 第44-45页 |
| 2.3.4 Mobile Money | 第45-46页 |
| 2.4 Understanding Technology Adoption and Acceptance Concepts | 第46-47页 |
| 2.5 Overview of Theories and Concepts in Scientific and IT Research | 第47-62页 |
| 2.5.1 Theory of Reasoned Action (TRA) | 第49-51页 |
| 2.5.2 Theory of Planned Behavior (TPB) Pure | 第51-52页 |
| 2.5.3 Decomposed Theory of Planned Behavior | 第52-54页 |
| 2.5.4 Technology Acceptance Model (TAM) | 第54-56页 |
| 2.5.5 Extended Technology Acceptance Model (TAM 2) | 第56-58页 |
| 2.5.6 De Lone and Mc Lean model, Updated De Lone and Mc Lean model | 第58-60页 |
| 2.5.7 Unified Theory of Acceptance and Use of Technology (UTAUT) | 第60-62页 |
| 2.6 Summary | 第62-64页 |
| Chapter 3 Conceptual Model and Hypotheses Development | 第64-84页 |
| 3.1 Introduction | 第64页 |
| 3.2 Knowledge Derived from Models and Theories Review | 第64-66页 |
| 3.3 Proposed Conceptual Model and Hypotheses Formulations | 第66-83页 |
| 3.3.1 Proposed Conceptual Model | 第66-68页 |
| 3.3.2 Research Hypotheses Formulations | 第68-83页 |
| 3.4 Summary | 第83-84页 |
| Chapter 4 Research Methodology | 第84-116页 |
| 4.1 Introduction | 第84页 |
| 4.2 Research Approach | 第84-87页 |
| 4.2.1 Qualitative Research vs. Quantitative Research Approach | 第85页 |
| 4.2.2 Qualitative-Quantitative as Hybrid Approach | 第85-87页 |
| 4.3 Population and Research Environment | 第87-89页 |
| 4.4 Survey Sampling Methods | 第89-91页 |
| 4.4.1 Sampling Technique | 第89-90页 |
| 4.4.2 Sample Errors | 第90-91页 |
| 4.5 Survey Data Conception and Pilot Test | 第91-96页 |
| 4.6 SEM-AHP-TOPSIS Methodology Background | 第96-98页 |
| 4.7 Structural Equation Modeling (SEM) | 第98-99页 |
| 4.8 SEM Sample Size Determination | 第99-101页 |
| 4.9 Analytic Hierarchy Process (AHP) | 第101-106页 |
| 4.10 Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS) | 第106-108页 |
| 4.11 MCDM (AHP-TOPSIS) Sample Size Evaluation | 第108-109页 |
| 4.12 Proposed Integrated Multi-Analytic Decision Methodology | 第109-112页 |
| 4.13 Statistical and Mathematical Tools | 第112页 |
| 4.14 Generalizability of the Findings | 第112-113页 |
| 4.15 Ethics and Business Research adopted | 第113-115页 |
| 4.16 Summary | 第115-116页 |
| Chapter 5 Preliminary Assessment of the Data | 第116-140页 |
| 5.1 Introduction | 第116页 |
| 5.2 Mobile Financial Services in West Africa | 第116-118页 |
| 5.3 Mobile Financial Services in Togo | 第118-122页 |
| 5.4 Collected Data Management against Multivariate Analysis | 第122-130页 |
| 5.4.1 Missing Data and Unengaged Responses | 第122-123页 |
| 5.4.2 Multivariate Outlier’s Discovery | 第123-125页 |
| 5.4.3 Statistical Summary of Data | 第125-130页 |
| 5.5 Reliability of Measurement Items | 第130-131页 |
| 5.6 Validity of Measurement Items | 第131-132页 |
| 5.7 Biodata of the Respondents | 第132-134页 |
| 5.8 Scope of Mobile Financial Services (MFS) via Survey’s Respondents | 第134-136页 |
| 5.9 General Motive of Non-usage of Online Services (MFS usage) | 第136-137页 |
| 5.10 Cross-Tabulation | 第137-138页 |
| 5.10.1 Gender Cross-Tabulation | 第137-138页 |
| 5.10.2 Age Cross-Tabulation | 第138页 |
| 5.11 Summary | 第138-140页 |
| Chapter 6 Key Factors Affecting Mobile Financial Services Adoption in Togo | 第140-197页 |
| 6.1 Introduction | 第140页 |
| 6.2 Statistical Analysis based on SEM Approach | 第140-172页 |
| 6.2.1 Exploratory Factor Analysis (EFA) | 第142-153页 |
| 6.2.2 Confirmatory Factor Analysis (CFA in CB) | 第153-165页 |
| 6.2.3 Structural Model | 第165-168页 |
| 6.2.4 Research Hypotheses Testing | 第168-172页 |
| 6.3 Mathematical Analysis based on MCDM Methodology through SEM | 第172-181页 |
| 6.3.1 SEM Approach to AHP Approach | 第174-178页 |
| 6.3.2 AHP Approach to TOPSIS Approach | 第178-181页 |
| 6.4 Comparison of the Present Findings | 第181-185页 |
| 6.4.1 Present Findings Compared with Existing Models/Theories | 第181-182页 |
| 6.4.2 Present Findings Compared with Existing Methodologies | 第182-183页 |
| 6.4.3 CB-SEM vs. PLS-SEM Method: Result of the Path Analysis | 第183-184页 |
| 6.4.4 Present Findings compared within SEM-MCDM Methodology | 第184-185页 |
| 6.5 Discussion | 第185-195页 |
| 6.6 Summary | 第195-197页 |
| Chapter 7 Conclusions | 第197-211页 |
| 7.1 Concluding Remark | 第197-200页 |
| 7.2 Overall Result Outline | 第200-201页 |
| 7.3 Implications | 第201-208页 |
| 7.3.1 Theoretical Implications | 第201-202页 |
| 7.3.2 Managerial Implications | 第202-204页 |
| 7.3.3 Methodological Implications | 第204-208页 |
| 7.4 Limitation and Future Research | 第208-209页 |
| 7.5 Summary | 第209-211页 |
| Acknowledgement | 第211-213页 |
| References | 第213-248页 |
| Appendix | 第248-264页 |
| Appendix I | 第248-255页 |
| Appendix II | 第255-264页 |
| Research Results Obtained During the Study for Doctoral Degree | 第264-266页 |
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