Items

Mean

Std. Deviation

Cronbach’ Alpha

Subscriber resistance to switch from the manual renewal method to the mobile renewal service mode.

4.22

0.85

0.79

Lack of knowledge and skills to use the mobile renewal service.

4.02

0.81

0.82

Mobile network challenges in renewing insurance premium.

4.25

0.93

0.78

Lack of user understanding of steps involve in using mobile renewal service.

4.28

0.90

0.79

Overall

4.19

0.87

0.79