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This study aims to investigate the user’s behavior and intention to continue using e-health services by analyzing the factors influencing their decision. The stimuli–organism–behavior–consequence (SOBC) framework was used to assess how the risks and benefits of e-health influence both behavioral intention (BI) and continued use.

The hypotheses proposed for this study were tested with partial least square-based structural equation modeling. This study relied on the primary data collected from 572 respondents using convenient sampling.

This study examined the SOBC model’s four phases’ with the help of eight constructs. The conceptual model allowed the authors to examine 10 relationships to measure e-health adoption behavior in emerging nations like India. This study found that convenience, perceived risk and facilitating conditions are positively related to the effort and performance expectancy (PE) associated with e-health consultation. Only social influence is unrelated. This study also found a positive and substantial relationship between BI, effort and PE.

The study uses the unified theory of acceptance and use of technology and the SOBC paradigm to determine the factors influencing users’ intentions to use e-health. In addition to bringing new aspects to the existing literature on technology adoption and e-health consultation, the results of this study will aid e-health service providers in formulating strategies to promote the usage of e-health in emerging economies like India.

Africa is becoming the fastest-growing continent despite significant challenges to accessing finance and the use of technology. This paper aims to examine the direct effect of mobile money adoption on firm performance and its moderation effect by examining how it moderates the effect of access to finance on firm performance.

Quantitative data were obtained from the World Bank Enterprise Survey for Cameroon, Ivory Coast and Zimbabwe. A series of hierarchical regression analyses were done to test the hypotheses.

The main findings show a negative significant relationship between mobile money adoption and firm performance, while access to finance had a positive relationship. The moderation effect though positive was not significant. Research examining the effect of mobile money adoption in Africa on firm performance is limited, and existing studies have focused on the determinants of mobile money usage. By examining the direct and contingency effect on other determinants of firm performance, this research makes both theoretical and practical contributions. Theoretically, this research shows that not all strategic resources are valuable in improving firm performance. Practically, this research provides insights into how technology could be embedded into business processes for firms to benefit from such technology.

This research has complemented by the extant literature by assessing the role of mobile money adoption in moderating the influence of access to finance on firm performance.