'Digitising health protection schemes in Ghana': An enquiry into factors associated with the use of a mobile phone-based health insurance contribution payment system among tertiary students
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View abstract on PubMed
Summary
This summary is machine-generated.Ghana's National Health Insurance Scheme (NHIS) mobile payment system adoption is influenced by age, mobile money access, and online purchasing history. Perceived usefulness and ease of use significantly drive adoption for NHIS membership renewal.
Area Of Science
- Health Policy
- Health Informatics
- Digital Health
Background
- Ghana's National Health Insurance Scheme (NHIS) introduced a mobile money payment system in 2018 to improve membership renewal and retention.
- The adoption of digital health innovations is contingent upon user demographics, personal characteristics, and public perceptions.
Purpose Of The Study
- To investigate the factors determining the adoption and utilization of the NHIS mobile renewal system for membership and premium payments among university students.
- To identify barriers and facilitators influencing the uptake of mobile payment solutions within a national health insurance context.
Main Methods
- A survey design was employed, collecting data from 951 students at Kwame Nkrumah University of Science and Technology (KNUST) in Kumasi, Ghana.
- Logistic regression analysis was utilized to identify significant predictors of mobile renewal system usage.
Main Results
- Age groups 19-21, 25-27, and above 27, lacking mobile money accounts, and those without prior online purchase experience were less likely to adopt the system (P < .05).
- Positive perceptions of the system's usefulness and ease of use were significant positive determinants of adoption (P < .05).
Conclusions
- Policymakers should focus on enhancing system quality, accessibility, perceived ease of use, and usefulness to promote the adoption of the NHIS mobile payment system.
- Understanding user perceptions and addressing demographic-specific barriers are crucial for the successful implementation of digital health payment innovations.
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