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<front>
<journal-meta>
<journal-id journal-id-type="publisher-id">SAJIM</journal-id>
<journal-title-group>
<journal-title>South African Journal of Information Management</journal-title>
</journal-title-group>
<issn pub-type="ppub">2078-1865</issn>
<issn pub-type="epub">1560-683X</issn>
<publisher>
<publisher-name>AOSIS</publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id pub-id-type="publisher-id">SAJIM-28-2228</article-id>
<article-id pub-id-type="doi">10.4102/sajim.v28i1.2228</article-id>
<article-categories>
<subj-group subj-group-type="heading">
<subject>Original Research</subject>
</subj-group>
</article-categories>
<title-group>
<article-title>Consumer-acceptance of artificial intelligence-driven delivery systems in sub-Saharan Africa: A systematic review of contextual factors with implications for South Africa</article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author" corresp="yes">
<contrib-id contrib-id-type="orcid">https://orcid.org/0000-0002-6138-4285</contrib-id>
<name>
<surname>Adeyelure</surname>
<given-names>Tope S.</given-names>
</name>
<xref ref-type="aff" rid="AF0001">1</xref>
</contrib>
<aff id="AF0001"><label>1</label>Department of Informatics, Faculty of Information and Communication Technology, Tshwane University of Technology, Soshanguve, South Africa</aff>
</contrib-group>
<author-notes>
<corresp id="cor1"><bold>Corresponding author:</bold> Tope Adeyelure, <email xlink:href="adeyelurets@tut.ac.za">adeyelurets@tut.ac.za</email></corresp>
</author-notes>
<pub-date pub-type="epub"><day>25</day><month>09</month><year>2026</year></pub-date>
<pub-date pub-type="collection"><year>2026</year></pub-date>
<volume>28</volume>
<issue>1</issue>
<elocation-id>2228</elocation-id>
<history>
<date date-type="received"><day>28</day><month>04</month><year>2026</year></date>
<date date-type="accepted"><day>06</day><month>08</month><year>2026</year></date>
</history>
<permissions>
<copyright-statement>&#x00A9; 2026. The Author</copyright-statement>
<copyright-year>2026</copyright-year>
<license license-type="open-access" xlink:href="https://creativecommons.org/licenses/by/4.0/">
<license-p>Licensee: AOSIS. This work is licensed under the Creative Commons Attribution 4.0 International (CC BY 4.0) license.</license-p>
</license>
</permissions>
<abstract>
<sec id="st1">
<title>Background</title>
<p>Artificial intelligence (AI)-driven delivery systems may improve access to goods and services in sub-Saharan Africa, but acceptance depends on infrastructure, affordability, trust, digital capability and institutional conditions.</p>
</sec>
<sec id="st2">
<title>Objectives</title>
<p>This review examines the contextual factors shaping consumer acceptance of AI-driven delivery systems in sub-Saharan Africa and their implications for information management in South Africa.</p>
</sec>
<sec id="st3">
<title>Method</title>
<p>Following Preferred Reporting Items for Systematic Reviews and Meta-Analyses 2020, six databases were searched and 42 studies were included. Thematic synthesis was combined with quantitative content analysis of construct frequency, directional valence, co-occurrence, geographic concentration and inter-rater reliability. Heterogeneous statistical measures precluded formal meta-analysis.</p>
</sec>
<sec id="st4">
<title>Results</title>
<p>Perceived usefulness or performance expectancy and relative advantage were the most consistent positive factors. Inadequate infrastructure, cost and absent trust were recurrent inhibitors. The Herfindahl-Hirschman Index was 0.200, indicating moderate geographic concentration. Median model-level <italic>R</italic>-squared values were 0.49 for Technology Acceptance Model-only studies and 0.73&#x2013;0.78 for studies using three or more frameworks; this descriptive association does not establish causation.</p>
</sec>
<sec id="st5">
<title>Conclusion</title>
<p>Consumer acceptance in South Africa cannot be explained by individual perceptions alone. Infrastructure instability, digital inequality, affordability, data governance and aviation regulation influence whether favourable intentions translate into use.</p>
</sec>
<sec id="st6">
<title>Contribution</title>
<p>The review offers a multi-framework synthesis of consumer, technological and institutional factors, identifies evidence gaps and proposes evidence-informed actions for South African information management practice.</p>
</sec>
</abstract>
<kwd-group>
<kwd>artificial intelligence</kwd>
<kwd>delivery systems</kwd>
<kwd>consumer-acceptance</kwd>
<kwd>UTAUT2</kwd>
<kwd>value-based adoption</kwd>
<kwd>quantitative content analysis</kwd>
<kwd>sub-Saharan Africa</kwd>
<kwd>South Africa</kwd>
</kwd-group>
<funding-group>
<funding-statement><bold>Funding information</bold> This research received no specific grant from any funding agency in the public, commercial or not-for-profit sectors.</funding-statement>
</funding-group>
</article-meta>
</front>
<body>
<sec id="s0001">
<title>Introduction</title>
<sec id="s20002">
<title>Context and practical significance</title>
<p>Artificial intelligence (AI) is changing last-mile logistics through tools such as autonomous routing, predictive delivery management and unmanned delivery platforms (Dwivedi et al. <xref ref-type="bibr" rid="CIT0007">2021</xref>; Nwachukwu <xref ref-type="bibr" rid="CIT0021">2023</xref>). In sub-Saharan Africa, these technologies may help address persistent service-access gaps, although their value depends on the reliability and affordability of the surrounding digital and physical infrastructure (Aker &#x0026; Mbiti <xref ref-type="bibr" rid="CIT0002">2010</xref>; World Bank <xref ref-type="bibr" rid="CIT0034">2024</xref>). Operational evidence from Zipline indicates that its network serves health facilities across several African countries and reaches more than 49 million people; these figures demonstrate the potential scale of drone-enabled logistics, but they do not by themselves establish consumer-acceptance (Seelos et al. <xref ref-type="bibr" rid="CIT0026">2024</xref>). In South Africa, deep spatial and socioeconomic inequalities make the possible benefits substantial but unevenly distributed (Statistics South Africa <xref ref-type="bibr" rid="CIT0028">2023</xref>).</p>
<p>The success of AI-driven delivery systems therefore depends not only on technical performance, but also on whether consumers regard them as useful, affordable, trustworthy and accessible. Infrastructure interruptions can disrupt mobile connectivity, cloud-based routing and logistics operations, while differences in income, digital literacy and location affect the ability to use technology-dependent services (Eskom <xref ref-type="bibr" rid="CIT0009">2023</xref>; Gillwald, Mothobi &#x0026; Rademan <xref ref-type="bibr" rid="CIT0010">2018</xref>). These conditions make acceptance a contextual and information-management problem rather than a purely individual attitude.</p>
</sec>
<sec id="s20003">
<title>Literature gap and statement of the problem</title>
<p>Technology-acceptance research in emerging markets frequently uses the Technology Acceptance Model (TAM) and related individual-level constructs. Technology Acceptance Model remains useful for perceived usefulness and perceived ease of use, but it does not fully represent the value trade-offs, community diffusion processes, infrastructural constraints and regulatory conditions that accompany AI-enabled consumer services (Kim, Chan &#x0026; Gupta <xref ref-type="bibr" rid="CIT0015">2007</xref>; Venkatesh, Thong &#x0026; Xu <xref ref-type="bibr" rid="CIT0033">2012</xref>). The Value-based Adoption Model (VAM), Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), Diffusion of Innovations (DOI) and Technology-Organisation-Environment (TOE) framework provide complementary constructs for examining those dimensions.</p>
<p>In South Africa, the <italic>Protection of Personal Information Act</italic> (<italic>POPIA</italic>), the regulatory framework for unmanned aircraft, infrastructure instability and persistent digital inequality create institutional and environmental conditions that are not adequately captured by TAM alone (Information Regulator South Africa <xref ref-type="bibr" rid="CIT0014">2021</xref>; South African Civil Aviation Authority <xref ref-type="bibr" rid="CIT0027">n.d.</xref>). Evidence from Cape Town&#x2019;s informal economy also shows that financial constraints, limited digital literacy and weak infrastructure interact in ways that may inhibit technology use (Ebrahim &#x0026; Van den Berg <xref ref-type="bibr" rid="CIT0008">2024</xref>). A further limitation is the tendency to discuss South African consumers as a homogeneous adoption group despite substantial differences in income, skills and geographic location (Gillwald et al. <xref ref-type="bibr" rid="CIT0010">2018</xref>; Van Dijk <xref ref-type="bibr" rid="CIT0032">2020</xref>). The resulting problem is that decision-makers lack a consolidated, framework-explicit and critically appraised evidence base for designing AI-enabled delivery services in a structurally unequal market. This review addresses that problem by integrating consumer-level and structural perspectives while distinguishing evidence reported in the corpus from interpretations proposed for South Africa.</p>
</sec>
<sec id="s20004">
<title>Aim, research questions and objectives</title>
<p>The aim of this review is to synthesise evidence on consumer-acceptance of AI-driven delivery systems in sub-Saharan Africa and to derive carefully qualified implications for information management in South Africa. The review is guided by the following central research question: <italic>Which contextual factors shape consumer-acceptance of AI-driven delivery systems in sub-Saharan Africa, and what do those factors imply for information management practice in South Africa?</italic></p>
</sec>
<sec id="s20005">
<title>Primary research question</title>
<p>Which contextual factors shape consumer-acceptance of AI-driven delivery systems in sub-Saharan Africa, and what are the implications of these factors for information management practice in South Africa?</p>
</sec>
<sec id="s20006">
<title>Secondary research questions</title>
<p>The following secondary research questions support the central research question:</p>
<list list-type="bullet">
<list-item><p><italic>Which consumer-acceptance constructs are reported in the sub-Saharan African AI-driven delivery literature, and how are they represented across UTAUT2, VAM, DOI, TOE and TAM?</italic></p></list-item>
<list-item><p><italic>How consistent are the direction and reported magnitude of the evidence relating to each consumer-acceptance construct, considering the different statistical measures used in the included studies?</italic></p></list-item>
<list-item><p><italic>How is the available evidence distributed geographically, and what does this distribution imply for its transferability to the South African context?</italic></p></list-item>
<list-item><p><italic>What evidence-informed implications and recommendations can be derived for technology developers, logistics operators, policymakers and information managers in South Africa?</italic></p></list-item>
</list>
</sec>
<sec id="s20007">
<title>Primary objective</title>
<p>To synthesise and critically analyse the contextual factors shaping consumer-acceptance of AI-driven delivery systems in sub-Saharan Africa and determine their implications for information management practice in South Africa.</p>
</sec>
<sec id="s20008">
<title>Secondary objectives</title>
<p>The following secondary objectives guide the review:</p>
<list list-type="bullet">
<list-item><p>To identify and map the consumer-acceptance constructs reported in the sub-Saharan African AI-driven delivery literature across UTAUT2, VAM, DOI, TOE and TAM.</p></list-item>
<list-item><p>To analyse the frequency, directional consistency, reported statistical magnitude and co-occurrence of the identified consumer-acceptance constructs, while recognising that the statistical measures reported by the included studies are not directly comparable.</p></list-item>
<list-item><p>To describe the geographic distribution and concentration of the available evidence and assess its transferability to the South African context.</p></list-item>
<list-item><p>To develop context-sensitive, evidence-informed recommendations for technology developers, logistics operators, policymakers and information managers in South Africa, while clearly acknowledging the limitations of the available evidence.</p></list-item>
</list>
</sec>
<sec id="s20009">
<title>Multi-framework conceptual architecture</title>
<p>Five complementary theoretical lenses structure the review. Unified Theory of Acceptance and Use of Technology 2 (Venkatesh et al. <xref ref-type="bibr" rid="CIT0033">2012</xref>) and VAM (Kim et al. <xref ref-type="bibr" rid="CIT0015">2007</xref>) address consumer perceptions, facilitating conditions, price value and benefit-sacrifice trade-offs. Diffusion of Innovation (Rogers <xref ref-type="bibr" rid="CIT0025">2003</xref>) captures relative advantage and community-level diffusion, while TOE (Tornatzky &#x0026; Fleischer <xref ref-type="bibr" rid="CIT0031">1990</xref>) accommodates technological, organisational and environmental conditions such as infrastructure, POPIA and aviation regulation. Technology Acceptance Model (Davis <xref ref-type="bibr" rid="CIT0006">1989</xref>) is retained as a historical comparator for perceived usefulness and perceived ease of use. The nine thematic categories were specified a priori from this combined architecture. Unified Theory of Acceptance and Use of Technology 2 and VAM primarily support RQ1 and RQ2; DOI and TOE extend the analysis to the community and institutional conditions needed for RQ3 and RQ4; and TAM provides the baseline against which broader model configurations are described. <xref ref-type="table" rid="T0004">Table 4</xref> presents the cross-framework mapping.</p>
</sec>
</sec>
<sec id="s0010">
<title>Research methods and design</title>
<sec id="s20011">
<title>Study design</title>
<p>This study employed a systematic literature review guided by Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) 2020 (Page et al. <xref ref-type="bibr" rid="CIT0022">2021</xref>). The review combined thematic synthesis with quantitative content analysis organised around UTAUT2, VAM, DOI, TOE and TAM. It did not conduct a formal meta-analysis because the included studies reported heterogeneous designs, constructs and statistical measures.</p>
</sec>
<sec id="s20012">
<title>Research setting</title>
<p>The review covered consumer and user acceptance of AI-enabled, autonomous or technology-driven delivery systems in sub-Saharan Africa, with a deliberate focus on South Africa. Evidence from Nigeria, Kenya, Ghana, Rwanda, Tanzania, Zimbabwe and wider regional sources was used where South African-specific studies were limited. Transfer to South Africa was treated as an interpretive step and not assumed automatically.</p>
</sec>
<sec id="s20013">
<title>Database selection and search strategy</title>
<p>A systematic search was conducted across six academic databases: Scopus (<italic>n</italic> = 98), Web of Science (<italic>n</italic> = 74), Google Scholar (<italic>n</italic> = 89), IEEE Xplore (<italic>n</italic> = 31), EBSCOhost (<italic>n</italic> = 52) and African Journals Online (AJOL) (<italic>n</italic> = 34), yielding 378 records before deduplication. African Journals Online was included to improve coverage of African scholarship. The core search combined three conceptual clusters and was adapted to the syntax of each database:</p>
<disp-quote>
<p>(&#x2018;artificial intelligence&#x2019; OR &#x2018;AI delivery&#x2019; OR &#x2018;drone delivery&#x2019; OR &#x2018;autonomous delivery&#x2019; OR &#x2018;last-mile logistics&#x2019;) AND (&#x2018;consumer-acceptance&#x2019; OR &#x2018;technology acceptance&#x2019; OR &#x2018;user adoption&#x2019; OR &#x2018;UTAUT&#x2019; OR &#x2018;value-based adoption&#x2019; OR &#x2018;diffusion of innovation&#x2019;) AND (&#x2018;Sub-Saharan Africa&#x2019; OR &#x2018;South Africa&#x2019; OR &#x2018;Nigeria&#x2019; OR &#x2018;Kenya&#x2019; OR &#x2018;Ghana&#x2019; OR &#x2018;Rwanda&#x2019; OR &#x2018;Zimbabwe&#x2019;)</p>
</disp-quote>
<p>The eligibility window was 2013&#x2013;2025, which is consistent with the final corpus and the inclusion of Badu-Baiden et al. (<xref ref-type="bibr" rid="CIT0004">2025</xref>). Supplementary terms included &#x2018;performance expectancy&#x2019;, &#x2018;price value&#x2019;, &#x2018;relative advantage&#x2019;, &#x2018;TOE framework&#x2019; and &#x2018;facilitating conditions&#x2019;. The exact final search date and the database-specific search logs were not retained in the source manuscript; this reduces reproducibility and is acknowledged in the limitations.</p>
</sec>
<sec id="s20014">
<title>Inclusion and exclusion criteria</title>
<p><xref ref-type="table" rid="T0001">Table 1</xref> presents the pre-defined inclusion and exclusion criteria applied during screening. The inclusion criteria required engagement with at least one construct from UTAUT2, VAM, DOI, TOE or TAM, broadening prior TAM-only requirements to capture the full breadth of the technology acceptance literature.</p>
<table-wrap id="T0001">
<label>TABLE 1</label>
<caption><p>Inclusion and exclusion criteria for study selection.</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">Inclusion criteria</th>
<th valign="top" align="left">Exclusion criteria</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">Studies published in English between 2013 and 2025</td>
<td align="left">Studies published prior to 2013 or after 2025, or in languages other than English</td>
</tr>
<tr>
<td align="left">Peer-reviewed journal articles, conference proceedings and substantive grey literature</td>
<td align="left">Opinion pieces, editorials and non-peer-reviewed blog posts without methodological grounding</td>
</tr>
<tr>
<td align="left">Studies examining consumer or user acceptance of AI, autonomous or technology-driven delivery systems</td>
<td align="left">Studies focused exclusively on technical system design without a consumer adoption component</td>
</tr>
<tr>
<td align="left">Studies conducted in sub-Saharan African contexts or with direct relevance to developing economy adoption</td>
<td align="left">Studies limited entirely to high-income or Western contexts with no transferable insights</td>
</tr>
<tr>
<td align="left">Studies engaging with at least one construct from UTAUT2, VAM, DOI, TOE or TAM</td>
<td align="left">Studies with no theoretical grounding in recognised technology acceptance frameworks</td>
</tr>
<tr>
<td align="left">Full-text availability</td>
<td align="left">Abstracts-only or inaccessible full texts</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>AI, artificial intelligence; UTAUT2, Unified Theory of Acceptance and Use of Technology 2; VAM, Value-based Adoption Model; DOI, Diffusion of Innovations; TOE, Technology-Organisation-Environment; TAM, Technology Acceptance Model.</p></fn>
</table-wrap-foot>
</table-wrap>
</sec>
<sec id="s20015">
<title>Screening process</title>
<p>Screening was conducted in three PRISMA-consistent stages. From 378 records, 64 duplicates were removed, leaving 314 titles and abstracts for screening. A further 226 records were excluded for failing to meet the geographic, thematic or quality criteria. Eighty-eight full texts were assessed, 46 were excluded, and 42 studies were retained. <xref ref-type="fig" rid="F0001">Figure 1</xref> presents the screening flow. The reported counts reflect the primary reason for exclusion where more than one reason applied.</p>
<fig id="F0001">
<label>FIGURE 1</label>
<caption><p>Preferred Reporting Items for Systematic Reviews and Meta-Analyses 2020 flow diagram illustrating the systematic search and screening process.</p></caption>
<graphic xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="SAJIM-28-2228-g001.tif"/>
</fig>
</sec>
<sec id="s20016">
<title>Data extraction</title>
<p>A structured extraction template was applied to the 42 included studies and captured author and year, country or region, design, sample characteristics, framework, constructs, reported statistical evidence, key findings and contextual factors. <xref ref-type="table" rid="T0002">Table 2</xref> provides the summary extract available in the manuscript. The complete 42-study extraction matrix was not included in the submitted file; consequently, study-level calculations that cannot be checked from the available record are interpreted cautiously. The complete matrix should accompany the article as supplementary material to permit independent verification.</p>
<table-wrap id="T0002">
<label>TABLE 2</label>
<caption><p>Summary extract from the data-extraction matrix, showing multi-framework construct mapping.</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">Author(s) &#x0026; year</th>
<th valign="top" align="left">Country</th>
<th valign="top" align="left">Design</th>
<th valign="top" align="left">Framework constructs</th>
<th valign="top" align="left">Key finding</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">Humbani and Wiese (<xref ref-type="bibr" rid="CIT0013">2019</xref>)</td>
<td align="left">South Africa</td>
<td align="left">Quantitative; SEM; <italic>n</italic> = 426</td>
<td align="left">Technology readiness; PEOU; PU; continuance intention (TAM-TRI)</td>
<td align="left">81&#x0025; of variance in mobile payment adoption explained; satisfaction is the strongest predictor of continuance intention</td>
</tr>
<tr>
<td align="left">Amofah and Chai (<xref ref-type="bibr" rid="CIT0003">2022</xref>)</td>
<td align="left">Ghana</td>
<td align="left">Quantitative; PLS-SEM; <italic>n</italic> = 535</td>
<td align="left">UTAUT constructs; trust; payment method</td>
<td align="left">Trust partially mediates UTAUT&#x2013;adoption; payment method moderates trust&#x2013;adoption link</td>
</tr>
<tr>
<td align="left">Lwoga and Lwoga (<xref ref-type="bibr" rid="CIT0018">2017</xref>)</td>
<td align="left">Tanzania</td>
<td align="left">Quantitative; survey; <italic>n</italic> = 372</td>
<td align="left">Security; PU; PEOU; gender (TAM)</td>
<td align="left">User-centric security and PU are significant drivers; gender moderates ease of use</td>
</tr>
<tr>
<td align="left">Mutimukwe, Kolkowska and Gr&#x00F6;nlund (<xref ref-type="bibr" rid="CIT0019">2020</xref>)</td>
<td align="left">Rwanda</td>
<td align="left">Quantitative survey; PLS-SEM; <italic>n</italic> = 547</td>
<td align="left">Organisational privacy assurances; privacy concerns; perceived privacy risk and control; trust; non-self-disclosure (TOE-aligned interpretation)</td>
<td align="left">Perceived effectiveness of privacy policies and self-regulation influenced privacy risk and control perceptions and associated privacy concerns, trust and non-self-disclosure; effects varied across e-service contexts</td>
</tr>
<tr>
<td align="left">Badu-Baiden et al. (<xref ref-type="bibr" rid="CIT0004">2025</xref>)</td>
<td align="left">Ghana</td>
<td align="left">Quantitative; fuzzy-set qualitative comparative analysis; <italic>n</italic> = 411</td>
<td align="left">Perceived risk; social influence; emotion; VAM-aligned</td>
<td align="left">Multiple equifinal acceptance paths; positive emotion and perceived value drive intention; privacy concerns inhibit adoption</td>
</tr>
<tr>
<td align="left">Ebrahim and Van den Berg (<xref ref-type="bibr" rid="CIT0008">2024</xref>)</td>
<td align="left">South Africa</td>
<td align="left">Qualitative; UTAUT; <italic>n</italic> = 18</td>
<td align="left">Facilitating conditions; social influence; digital literacy (UTAUT2)</td>
<td align="left">Financial constraints, digital literacy gaps and limited infrastructure prevent informal economy technology adoption</td>
</tr>
<tr>
<td align="left">Thusi and Maduku (<xref ref-type="bibr" rid="CIT0030">2023</xref>)</td>
<td align="left">South Africa</td>
<td align="left">Quantitative; SEM; <italic>n</italic> = 601</td>
<td align="left">Trust; security; satisfaction; loyalty (TAM-extended)</td>
<td align="left">Perceived security and privacy affect loyalty, mediated by satisfaction; gender and age moderate effects</td>
</tr>
<tr>
<td align="left">Ackaah, Leslie and Osei (<xref ref-type="bibr" rid="CIT0001">2022</xref>)</td>
<td align="left">Ghana</td>
<td align="left">Quantitative; survey; <italic>n</italic> = 1231</td>
<td align="left">Performance expectancy; facilitating conditions; Trust (UTAUT2-aligned)</td>
<td align="left">Connected technology acceptance is driven by performance expectancy; data privacy moderates adoption intentions</td>
</tr>
<tr>
<td align="left">Seelos et al. (<xref ref-type="bibr" rid="CIT0026">2024</xref>)</td>
<td align="left">Rwanda, Ghana, Nigeria and Kenya</td>
<td align="left">Impact evaluation; operational data</td>
<td align="left">Relative advantage; institutional support; facilitating conditions (DOI + TOE)</td>
<td align="left">Operational evidence reports large-scale health-delivery reach and improved health-system outcomes; these outcomes illustrate service potential but do not directly measure consumer-acceptance</td>
</tr>
<tr>
<td align="left">GSMA (<xref ref-type="bibr" rid="CIT0011">2024</xref>)</td>
<td align="left">sub-Saharan Africa</td>
<td align="left">Industry report; quantitative</td>
<td align="left">Facilitating conditions; price value; digital literacy (UTAUT2)</td>
<td align="left">835 million mobile money accounts; daily transactions $2.5B; digital literacy and cost remain adoption barriers</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>Note: Please see the full reference list of this article, Adeyelure, T.S., 2026, &#x2018;Consumer-acceptance of artificial intelligence-driven delivery systems in sub-Saharan Africa: A systematic review of contextual factors with implications for South Africa&#x2019;, <italic>South African Journal of Information Management</italic> 28(1), a2228. <ext-link ext-link-type="uri" xlink:href="https://doi.org/10.4102/sajim.v28i1.2228">https://doi.org/10.4102/sajim.v28i1.2228</ext-link>, for more information</p></fn>
<fn><p>PU, perceived usefulness; PEOU, perceived ease of use; SEM, structural equation modelling; PLS-SEM, partial least squares structural equation modelling; fuzzy-set qualitative comparative analysis is written in full to avoid confusion with quantitative content analysis; UTAUT2, Unified Theory of Acceptance and Use of Technology 2; VAM, Value-based Adoption Model; DOI, Diffusion of Innovations; TOE, Technology-Organisation-Environment; TAM, Technology Acceptance Model; TRI, Technology Readiness Index.</p></fn>
</table-wrap-foot>
</table-wrap>
</sec>
<sec id="s20017">
<title>Thematic synthesis and quantitative content analysis</title>
<p>Thematic synthesis followed Thomas and Harden (<xref ref-type="bibr" rid="CIT0029">2008</xref>) in three phases: line-by-line coding against relevant framework constructs, development of descriptive themes across nine a priori categories and development of analytical themes for the South African context. Quantitative content analysis was conducted in parallel following Krippendorff (<xref ref-type="bibr" rid="CIT0016">2018</xref>) and Neuendorf (<xref ref-type="bibr" rid="CIT0020">2017</xref>). The quantitative component was descriptive and did not pool unlike statistical measures.</p>
<p>Four analytical layers were retained. Firstly, construct frequency and a review-specific Valence Consistency Index (VCI) were calculated as VCI = |<italic>n</italic>+ - <italic>n</italic>-|/(<italic>n</italic>+ + <italic>n</italic>-), where <italic>n</italic>+ and <italic>n</italic>- are the numbers of directionally positive and negative findings. Valence Consistency Index = 1.00 denotes complete directional agreement only when at least one positive or negative finding is available; it is reported as not applicable for constructs coded only as moderate, indirect or non-directional. The term VCI is used in this review for this simple descriptive calculation and is not presented as an established index from the content-analysis literature. Secondly, a construct co-occurrence matrix recorded how often pairs of constructs were investigated in the same study. Thirdly, the Herfindahl&#x2013;Hirschman Index (HHI = sum of squared country shares) was adapted from its standard concentration formulation to describe geographic concentration in the review corpus (Hirschman <xref ref-type="bibr" rid="CIT0012">1964</xref>; Rhoades <xref ref-type="bibr" rid="CIT0024">1993</xref>). Fourthly, inter-rater reliability was assessed using Cohen&#x2019;s kappa (Cohen <xref ref-type="bibr" rid="CIT0005">1960</xref>). The originally reported compound annual growth rate (CAGR) analysis was removed because the source manuscript did not provide annual base counts and used unequal publication intervals, preventing independent verification.</p>
<p>Two independent coders assessed a random sample of 10 studies (24&#x0025; of the corpus). Observed agreement was 93&#x0025;, yielding Cohen&#x2019;s kappa = 0.89, conventionally interpreted as almost perfect agreement (Landis &#x0026; Koch <xref ref-type="bibr" rid="CIT0017">1977</xref>). Discrepancies were resolved through discussion before full-corpus coding. NVivo 14 was used for data management.</p>
</sec>
<sec id="s20018">
<title>Risk of bias and certainty of the evidence</title>
<p>The source manuscript did not contain a completed study-level risk-of-bias assessment or the full extraction information needed to reconstruct one reliably. No Joanna Briggs Institute (JBI) ratings or sensitivity analysis are therefore claimed in this version. The absence of a formal design-appropriate appraisal limits the certainty that can be attached to the descriptive summaries, especially where findings come from heterogeneous surveys, qualitative studies and operational reports. A future update should apply appropriate critical-appraisal tools at study level and report the decisions in full.</p>
</sec>
<sec id="s20019">
<title>Ethical considerations</title>
<p>This study is a systematic literature review involving the secondary analysis of publicly available, previously published literature. It does not involve collecting primary data, recruiting human participants or using animal subjects. This article does not contain any studies involving human participants performed by any of the authors. Ethics approval was not required for this study. All sources consulted were cited in accordance with Harvard referencing conventions. No personal or identifiable information was collected or processed; accordingly, no data confidentiality measures beyond standard academic citation practice were required.</p>
</sec>
</sec>
<sec id="s0020">
<title>Results</title>
<p>The findings are presented in the order of the research questions. The descriptive profile and construct mapping address RQ1; directional valence, reported statistical magnitude and co-occurrence address RQ2; geographic concentration addresses RQ3; and the contextual synthesis and stakeholder implications address RQ4.</p>
<sec id="s20021">
<title>Descriptive profile of included studies (RQ1 and RQ3)</title>
<p>Following PRISMA screening, 42 studies were retained. The reported distribution comprised Nigeria (<italic>n</italic> = 12; 29&#x0025;), Kenya (<italic>n</italic> = 9; 21&#x0025;), South Africa (<italic>n</italic> = 8; 19&#x0025;), Ghana (<italic>n</italic> = 7; 17&#x0025;), Rwanda (<italic>n</italic> = 3; 7&#x0025;), Tanzania (<italic>n</italic> = 2; 5&#x0025;) and one study from an additional sub-Saharan African setting (<italic>n</italic> = 1; 2&#x0025;). This accounts for six named countries plus one additional setting, rather than the nine countries stated in the earlier version. The resulting HHI is 0.200, indicating moderate concentration. Study designs were predominantly quantitative (<italic>n</italic> = 28; 67&#x0025;), followed by qualitative (<italic>n</italic> = 8; 19&#x0025;) and mixed-method or conceptual studies (<italic>n</italic> = 6; 14&#x0025;). For quantitative studies, the reported sample-size range was <italic>n</italic> = 103 to <italic>n</italic> = 1231, with a median of <italic>n</italic> = 401; qualitative participant counts were not combined with this range because they are not directly comparable. Publications spanned 2013&#x2013;2025, and 31 studies (74&#x0025;) were published from 2019 onward. Framework frequencies were overlapping because one study could contribute to more than one category: TAM constructs appeared in 34 studies (81&#x0025;), UTAUT or UTAUT2 in 22 (52&#x0025;), DOI-aligned constructs in 18 (43&#x0025;), VAM-aligned constructs in 12 (29&#x0025;) and TOE-aligned constructs in 11 (26&#x0025;). Fourteen studies (33&#x0025;) used two or more frameworks.</p>
</sec>
<sec id="s20022">
<title>Quantitative content analysis findings</title>
<sec id="s30023">
<title>Construct frequency and directional valence (RQ1 and RQ2)</title>
<p><xref ref-type="table" rid="T0003">Table 3</xref> reports construct frequency, directional coding and the type of summary statistic available. Perceived usefulness or performance expectancy was the most frequently reported construct (<italic>k</italic> = 34; 81&#x0025;) and was coded positively in all directionally classified studies (VCI = 1.00). Infrastructure access was consistently coded as an inhibitor among the 22 studies that reported it (VCI = 1.00). Digital literacy was coded as a moderating or indirect condition rather than as a uniformly positive or negative effect; its VCI is therefore not applicable. Institutional and policy support had mixed directional evidence (VCI = 0.73), indicating that it operated as an enabler in some settings and a constraint in others. The index describes consistency of direction across the corpus; it does not establish causal strength or quantify South Africa specifically.</p>
<table-wrap id="T0003">
<label>TABLE 3</label>
<caption><p>Quantitative content analysis matrix: Construct reporting, directional coding, reported statistical type and Valence Consistency Index across <italic>k</italic> = 42 studies.</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">Construct or theme</th>
<th valign="top" align="center"><italic>k</italic></th>
<th valign="top" align="center">&#x0025; corpus</th>
<th valign="top" align="center">&#x0025; positive</th>
<th valign="top" align="center">&#x0025; negative</th>
<th valign="top" align="center">&#x0025; moderate</th>
<th valign="top" align="left">Reported summary statistic (type)</th>
<th valign="top" align="center">VCI</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">Perceived usefulness or Performance expectancy</td>
<td align="center">34</td>
<td align="center">81</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="center">0</td>
<td align="left">Median beta = 0.41</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Perceived ease of use or Effort expectancy</td>
<td align="center">28</td>
<td align="center">67</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="center">0</td>
<td align="left">Median beta = 0.27</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Trust and security</td>
<td align="center">26</td>
<td align="center">62</td>
<td align="center">0</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="left">Median <italic>r</italic> = 0.34</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Infrastructure access</td>
<td align="center">22</td>
<td align="center">52</td>
<td align="center">0</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="left">Median beta = -0.33</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Cost sensitivity and Price value</td>
<td align="center">19</td>
<td align="center">45</td>
<td align="center">0</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="left">Median beta = -0.29</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Digital literacy (facilitating conditions)</td>
<td align="center">18</td>
<td align="center">43</td>
<td align="center">0</td>
<td align="center">0</td>
<td align="center">100</td>
<td align="left">Moderating or indirect</td>
<td align="center">N/A</td>
</tr>
<tr>
<td align="left">Institutional &#x0026; policy support</td>
<td align="center">15</td>
<td align="center">36</td>
<td align="center">87</td>
<td align="center">13</td>
<td align="center">0</td>
<td align="left">Median beta = 0.26</td>
<td align="center">0.73</td>
</tr>
<tr>
<td align="left">Relative advantage (DOI)</td>
<td align="center">21</td>
<td align="center">50</td>
<td align="center">100</td>
<td align="center">0</td>
<td align="center">0</td>
<td align="left">Median beta = 0.38</td>
<td align="center">1.00</td>
</tr>
<tr>
<td align="left">Behavioural intention (outcome)</td>
<td align="center">42</td>
<td align="center">100</td>
<td align="center">N/A</td>
<td align="center">N/A</td>
<td align="center">N/A</td>
<td align="left">Median <italic>R</italic>-squared = 0.58</td>
<td align="center">N/A</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>Note: Valence Consistency Index = |<italic>n</italic>+ - <italic>n</italic>-|/(<italic>n</italic>+ + <italic>n</italic>-). Valence Consistency Index is a review-specific descriptive calculation used to summarise directional consistency; it is not presented as a standard content-analysis index. Valence Consistency Index = 1.00 denotes complete directional agreement when at least one directionally coded result is available. N/A indicates that findings were moderate, indirect or non-directional. Reported beta coefficients, correlations, indirect effects and <italic>R</italic>-squared values are shown by type and are not treated as directly comparable pooled effects. <italic>k</italic> = number of studies reporting each construct.</p></fn>
<fn><p>VCI, Valence Consistency Index; DOI, Diffusion of Innovations.</p></fn>
</table-wrap-foot>
</table-wrap>
</sec>
<sec id="s30024">
<title>Temporal coverage of the evidence (RQ2)</title>
<p>The earlier manuscript reported compound annual growth rates from unequal publication intervals and did not provide the annual counts required to reproduce them. Those CAGR values and the associated causal or theoretical claims have therefore been removed. The defensible temporal conclusion is narrower: the corpus is weighted towards recent work, with 31 of 42 studies published from 2019 onwards. This pattern indicates increasing scholarly attention to the topic, but it does not demonstrate that any construct has become stronger or more important over time.</p>
</sec>
<sec id="s30025">
<title>Construct co-occurrence patterns (RQ2)</title>
<p>Three construct co-occurrence clusters were visible in the coding matrix. Perceived usefulness or performance expectancy and perceived ease of use or effort expectancy were investigated together in 24 studies (57&#x0025;), reflecting the foundational TAM pairing. Infrastructure access and digital literacy occurred together in 14 studies (33&#x0025;), consistent with the facilitating conditions perspective. Relative advantage and perceived usefulness also occurred together in 14 studies (33&#x0025;). Institutional and policy support occurred with digital literacy in six studies (14&#x0025;), making it the least frequent pairing reported. These are co-occurrence counts &#x2013; the constructs were examined in the same studies &#x2013; rather than citation network measures.</p>
</sec>
</sec>
<sec id="s20026">
<title>Cross-framework construct mapping (RQ1 and RQ2)</title>
<p><xref ref-type="table" rid="T0004">Table 4</xref> maps the nine thematic categories across the five-framework architecture and identifies the statistical type used in the source studies. In the subset reporting model-level <italic>R</italic>-squared values, TAM-only applications had a median <italic>R</italic>-squared of 0.49, while studies using three or more frameworks reported medians of 0.73&#x2013;0.78. The absolute difference is 0.24&#x2013;0.29, equivalent to 24&#x2013;29 percentage points of explained variance; relative to 0.49, the upper comparison is approximately 59&#x0025; higher. This comparison is descriptive. The subgroups differ in country, sample, measurement model and number of predictors, and <italic>R</italic>-squared can increase mechanically as predictors are added. The results therefore do not establish that theoretical breadth caused the difference.</p>
<table-wrap id="T0004">
<label>TABLE 4</label>
<caption><p>Cross-framework construct mapping across Unified Theory of Acceptance and Use of Technology 2, Value-based Adoption Model, Diffusion of Innovations, Technology-Organisation-Environment and Technology Acceptance Model, with the reported statistical type (<italic>k</italic> = 42 studies).</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">TAM construct</th>
<th valign="top" align="left">UTAUT2 equivalent</th>
<th valign="top" align="left">VAM, DOI and TOE mapping</th>
<th valign="top" align="left">Reported summary statistic</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">Perceived usefulness</td>
<td align="left">Performance expectancy</td>
<td align="left">VAM: perceived benefit (usefulness)</td>
<td align="left"><italic>&#x03B2;</italic> = 0.41 &#x2013; strongest positive driver</td>
</tr>
<tr>
<td align="left">Perceived ease of use</td>
<td align="left">Effort expectancy</td>
<td align="left">VAM: perceived sacrifice (technicality)</td>
<td align="left"><italic>&#x03B2;</italic> = 0.27 &#x2013; context-dependent</td>
</tr>
<tr>
<td align="left">Trust</td>
<td align="left">Facilitating conditions (partial)</td>
<td align="left">VAM: perceived sacrifice (risk); TOE: environmental context</td>
<td align="left"><italic>r</italic> = 0.34 &#x2013; critical inhibitor when absent</td>
</tr>
<tr>
<td align="left">Digital literacy</td>
<td align="left">Facilitating conditions</td>
<td align="left">TOE: technological &#x0026; organisational context</td>
<td align="left">Moderating &#x2013; indirect positive effect</td>
</tr>
<tr>
<td align="left">Infrastructure</td>
<td align="left">Facilitating conditions</td>
<td align="left">TOE: technological &#x0026; environmental context</td>
<td align="left"><italic>&#x03B2;</italic> = -0.33 &#x2013; strongest inhibitor</td>
</tr>
<tr>
<td align="left">Cost sensitivity</td>
<td align="left">Price value</td>
<td align="left">VAM: perceived sacrifice (fee)</td>
<td align="left"><italic>&#x03B2;</italic> = -0.29 &#x2013; structural exclusion mechanism</td>
</tr>
<tr>
<td align="left">Institutional support</td>
<td align="left">Facilitating conditions</td>
<td align="left">TOE: environmental &#x0026; regulatory context</td>
<td align="left"><italic>&#x03B2;</italic> = 0.26 &#x2013; positive enabler if well communicated</td>
</tr>
<tr>
<td align="left">Relative advantage</td>
<td align="left">Performance expectancy (partial)</td>
<td align="left">DOI: relative advantage</td>
<td align="left"><italic>&#x03B2;</italic> = 0.38 &#x2013; powerful in underserved markets</td>
</tr>
<tr>
<td align="left">Behavioural intention</td>
<td align="left">Behavioural intention</td>
<td align="left">UTAUT2 outcome; VAM: adoption intention</td>
<td align="left"><italic>R</italic><sup>2</sup> = 0.58 median across studies</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>Note: The statistics are reported by type and are not pooled as a single effect-size metric.</p></fn>
<fn><p>TAM, Technology Acceptance Model; UTAUT2, Unified Theory of Acceptance and Use of Technology 2; VAM, Value-based Adoption Model; DOI, Diffusion of Innovations; TOE, Technology-Organisation-Environment; beta, standardised regression coefficient; <italic>r</italic>, correlation coefficient; <italic>R</italic>-squared, variance explained.</p></fn>
</table-wrap-foot>
</table-wrap>
</sec>
<sec id="s20027">
<title>Thematic synthesis findings</title>
<p><xref ref-type="table" rid="T0005">Table 5</xref> summarises the thematic evidence relevant to RQ4. For each theme, it identifies the principal framework, the settings represented in the available evidence, the statistical form reported and the carefully qualified relevance to South Africa.</p>
<table-wrap id="T0005">
<label>TABLE 5</label>
<caption><p>Thematic synthesis across nine categories, with framework sources, reported evidence and South African relevance (<italic>k</italic> = 42 studies).</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">Theme</th>
<th valign="top" align="left">Primary framework</th>
<th valign="top" align="left">Evidence base</th>
<th valign="top" align="left">Reported evidence</th>
<th valign="top" align="left">South African relevance</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">Perceived usefulness or Performance expectancy</td>
<td align="left">TAM; UTAUT2</td>
<td align="left">Nigeria, Kenya, Ghana, Tanzania</td>
<td align="left"><italic>&#x03B2;</italic> = 0.41 (IQR: 0.31&#x2013;0.52)</td>
<td align="left">Moderated by limited AI exposure in township areas</td>
</tr>
<tr>
<td align="left">Perceived ease of use or Effort expectancy</td>
<td align="left">TAM; UTAUT2</td>
<td align="left">South Africa, Nigeria, Ghana</td>
<td align="left"><italic>&#x03B2;</italic> = 0.27 (IQR: 0.18&#x2013;0.39)</td>
<td align="left">Constrained by digital literacy disparities; multilingual gap</td>
</tr>
<tr>
<td align="left">Trust and security</td>
<td align="left">VAM (sacrifice); TAM</td>
<td align="left">Kenya, Ghana, Zimbabwe, Rwanda</td>
<td align="left"><italic>r</italic> = 0.34 (negative when absent)</td>
<td align="left">Compounded by nascent POPIA awareness; historical distrust</td>
</tr>
<tr>
<td align="left">Digital literacy (facilitating conditions)</td>
<td align="left">UTAUT2 (facilitating cond.)</td>
<td align="left">South Africa, Rwanda, Tanzania</td>
<td align="left">Moderating &#x2013; indirect</td>
<td align="left">Tripartite literacy landscape; severe urban&#x2013;rural&#x2013;township divide</td>
</tr>
<tr>
<td align="left">Infrastructure access</td>
<td align="left">UTAUT2 (facilitating cond.); TOE</td>
<td align="left">Nigeria, South Africa, Zimbabwe</td>
<td align="left"><italic>&#x03B2;</italic> = -0.33 (IQR: -0.25 to -0.41)</td>
<td align="left">Load shedding &#x2018;infrastructure paradox&#x2019;; IoT disruption</td>
</tr>
<tr>
<td align="left">Cost sensitivity (price value)</td>
<td align="left">UTAUT2 (price value); VAM (sacrifice)</td>
<td align="left">Ghana, Nigeria, Kenya</td>
<td align="left"><italic>&#x03B2;</italic> = -0.29 (IQR: -0.22 to -0.38)</td>
<td align="left">High inequality (Gini index = 54.1 in 2022; World Bank <xref ref-type="bibr" rid="CIT0035">n.d.</xref>); affordability may exclude low-income consumers</td>
</tr>
<tr>
<td align="left">Institutional &#x0026; policy support</td>
<td align="left">TOE (environmental context)</td>
<td align="left">Rwanda, South Africa, Kenya</td>
<td align="left"><italic>&#x03B2;</italic> = 0.26 (IQR: 0.19&#x2013;0.33)</td>
<td align="left">POPIA; CAA RPAS regulations constrain drone scalability</td>
</tr>
<tr>
<td align="left">Relative advantage</td>
<td align="left">DOI</td>
<td align="left">Kenya, Ghana, Nigeria, Rwanda</td>
<td align="left"><italic>&#x03B2;</italic> = 0.38 (IQR: 0.29&#x2013;0.47)</td>
<td align="left">Transformative in township and rural areas lacking courier access</td>
</tr>
<tr>
<td align="left">Behavioural intention</td>
<td align="left">UTAUT2; TAM (outcome)</td>
<td align="left">Multi-country</td>
<td align="left"><italic>R</italic><sup>2</sup> = 0.58 (range 0.42&#x2013;0.81)</td>
<td align="left">Intention&#x2013;behaviour gap pronounced in low-income segments</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>Notes: Statistical measures are reported according to their original type and are not pooled. Please see the full reference list of this article, Adeyelure, T.S., 2026, &#x2018;Consumer-acceptance of artificial intelligence-driven delivery systems in sub-Saharan Africa: A systematic review of contextual factors with implications for South Africa&#x2019;, <italic>South African Journal of Information Management</italic> 28(1), a2228. <ext-link ext-link-type="uri" xlink:href="https://doi.org/10.4102/sajim.v28i1.2228">https://doi.org/10.4102/sajim.v28i1.2228</ext-link>, for more information.</p></fn>
<fn><p>AI, artificial intelligence; UTAUT2, Unified Theory of Acceptance and Use of Technology 2; VAM, Value-based Adoption Model; DOI, Diffusion of Innovations; TOE, Technology-Organisation-Environment; TAM, Technology Acceptance Model; POPIA, <italic>Protection of Personal Information Act</italic>; CAA, Civil Aviation Authority; RPAS, Remotely Piloted Aircraft Systems.</p></fn>
</table-wrap-foot>
</table-wrap>
<sec id="s30028">
<title>Theme 1: Performance expectancy or perceived usefulness</title>
<p>Performance expectancy was the most frequently reported positive factor (median beta = 0.41; <italic>k</italic> = 34; 81&#x0025;; VCI = 1.00). Badu-Baiden et al. (<xref ref-type="bibr" rid="CIT0004">2025</xref>) identified perceived usefulness within several sufficient configurations in a Ghanaian sample of 411 respondents, while Lwoga and Lwoga (<xref ref-type="bibr" rid="CIT0018">2017</xref>) reported perceived usefulness as a significant predictor in Tanzania (<italic>n</italic> = 372; beta = 0.46). These findings support the importance of usefulness, but they do not show that it operates independently of cost, risk or facilitating conditions. In South Africa, the implication for township and rural consumers remains an inference that requires direct testing.</p>
</sec>
<sec id="s30029">
<title>Theme 2: Effort expectancy or perceived ease of use</title>
<p>Effort expectancy was generally associated with acceptance, although its magnitude varied across settings (median beta = 0.27; <italic>k</italic> = 28; 67&#x0025;; VCI = 1.00). Humbani and Wiese (<xref ref-type="bibr" rid="CIT0013">2019</xref>) identified three South African technology-readiness segments &#x2013; &#x2018;pioneers&#x2019;, &#x2018;explorers&#x2019; and &#x2018;paranoids&#x2019; &#x2013; suggesting that ease-of-use interventions may need to be adapted to different readiness profiles. Ebrahim and Van den Berg (<xref ref-type="bibr" rid="CIT0008">2024</xref>) likewise reported digital complexity as a barrier in Cape Town&#x2019;s informal economy. These studies support differentiated design, but they do not establish one universal literacy profile for all South African consumers.</p>
</sec>
<sec id="s30030">
<title>Theme 3: Trust and security (Value-based Adoption Model perceived sacrifice)</title>
<p>Trust and security were recurrent inhibitors when absent (median <italic>r</italic> = 0.34; <italic>k</italic> = 26; 62&#x0025;; VCI = 1.00). Value-based Adoption Model&#x2019;s treatment of perceived risk as a sacrifice provides a more explicit account of this issue than TAM alone (Kim et al. <xref ref-type="bibr" rid="CIT0015">2007</xref>). Amofah and Chai (<xref ref-type="bibr" rid="CIT0003">2022</xref>) reported that trust partially mediated the relationship between UTAUT constructs and adoption in Ghana, while Mutimukwe et al. (<xref ref-type="bibr" rid="CIT0019">2020</xref>) examined how organisational privacy assurances influenced privacy perceptions and trust among e-service users in Rwanda. For South Africa, POPIA may reduce perceived privacy risk when its protections are visible and understood, but the review does not directly measure consumer awareness of the Act.</p>
</sec>
<sec id="s30031">
<title>Theme 4: Digital literacy (Unified Theory of Acceptance and Use of Technology 2 facilitating conditions)</title>
<p>Digital literacy was reported as a moderating or facilitating condition in 18 studies (43&#x0025;). Because those findings were not uniformly coded as positive or negative, VCI is not applicable. Regional evidence indicates uneven access to devices, connectivity and digital skills (GSMA <xref ref-type="bibr" rid="CIT0011">2024</xref>; Van Dijk <xref ref-type="bibr" rid="CIT0032">2020</xref>). The review interprets this unevenness as relevant to South Africa&#x2019;s urban, peri-urban, township and rural differences, but it does not reduce consumers to a fixed three-tier classification. The low co-occurrence of institutional support and digital literacy (<italic>n</italic> = 6; 14&#x0025;) identifies a useful area for future primary research.</p>
</sec>
<sec id="s30032">
<title>Theme 5: Infrastructure access (TOE: environmental context; UTAUT2: facilitating conditions)</title>
<p>Infrastructure access was consistently reported as an inhibitor when inadequate (median beta = &#x2013;0.33; <italic>k</italic> = 22; 52&#x0025;; VCI = 1.00). The review uses the term &#x2018;infrastructure paradox&#x2019; to interpret the coexistence of comparatively advanced digital services and periodic operational disruption in South Africa. This is an authorial interpretation supported by the synthesis, not a causal effect established by the review. Technology-Organisation-Environment&#x2019;s environmental context is useful for examining how connectivity, electricity and logistics infrastructure may condition acceptance (Tornatzky &#x0026; Fleischer <xref ref-type="bibr" rid="CIT0031">1990</xref>).</p>
</sec>
<sec id="s30033">
<title>Theme 6: Cost sensitivity (Unified Theory of Acceptance and Use of Technology 2 price value; Value-based Adoption Model perceived sacrifice)</title>
<p>Cost sensitivity was consistently associated with lower acceptance (median beta = &#x2013;0.29; <italic>k</italic> = 19; 45&#x0025;; VCI = 1.00). Value-based Adoption Model explains this pattern as a trade-off between perceived benefits and monetary or non-monetary sacrifices (Kim et al. <xref ref-type="bibr" rid="CIT0015">2007</xref>). South Africa&#x2019;s high-income inequality, reflected in a World Bank Gini index of 54.1 for 2022 (World Bank <xref ref-type="bibr" rid="CIT0035">n.d.</xref>), makes affordability a plausible mechanism of exclusion, while Ebrahim and Van den Berg (<xref ref-type="bibr" rid="CIT0008">2024</xref>) reported financial constraints in the informal economy. The review nevertheless cannot infer one uniform price threshold for the national population.</p>
</sec>
<sec id="s30034">
<title>Theme 7: Institutional and policy support (TOE: environmental context)</title>
<p>Institutional and policy support produced mixed evidence (median beta = 0.26; <italic>k</italic> = 15; 36&#x0025;; VCI = 0.73). Most directionally coded studies treated institutional support as an enabler, while a minority identified restrictive or weak institutional conditions as barriers. Operational reports on Zipline describe substantial health-system outcomes in Rwanda and Ghana (Seelos et al. <xref ref-type="bibr" rid="CIT0026">2024</xref>), illustrating what enabling policy and implementation can support. Those outcomes should not be interpreted as direct measures of consumer-acceptance, and they cannot establish that the same policy design would produce identical results in South Africa.</p>
</sec>
<sec id="s30035">
<title>Theme 8: Relative advantage (Diffusion of Innovation)</title>
<p>Relative advantage was a consistently positive factor (median beta = 0.38; <italic>k</italic> = 21; 50&#x0025;; VCI = 1.00). In underserved settings, the relevant comparison may be between AI-enabled delivery and limited or absent conventional services rather than between two equally reliable options. Diffusion of Innovation therefore provides a useful lens for examining equity-related benefits (Rogers <xref ref-type="bibr" rid="CIT0025">2003</xref>). The claim that this advantage will be transformative in South African townships is presented as a hypothesis for local testing, not as a result directly demonstrated by the regional corpus.</p>
</sec>
<sec id="s30036">
<title>Theme 9: Behavioural intention (Unified Theory of Acceptance and Use of Technology 2 outcome; Value-based Adoption Model adoption intention)</title>
<p>Behavioural intention appeared in all 42 studies and was associated with a median model-level <italic>R</italic>-squared of 0.58 (range 0.42&#x2013;0.81). In the reported subgroup comparison, the TAM-only median was 0.49 and the five-framework median was 0.78, an absolute difference of 0.29. Expressed relative to the TAM-only median, 0.78 is approximately 59&#x0025; higher; expressed in the opposite direction, 0.49 is approximately 37&#x0025; lower than 0.78. This is a descriptive association, not proof that theoretical breadth caused the difference. Model complexity, country, sample and measurement choices provide alternative explanations. The evidence also points to an intention-behaviour gap where cost, risk or facilitating conditions remain unfavourable.</p>
</sec>
</sec>
</sec>
<sec id="s0037">
<title>Discussion</title>
<sec id="s20038">
<title>Synthesis of key findings across frameworks</title>
<p>The review answers RQ1 and RQ2 by showing that consumer-level perceptions and structural conditions recur together across the corpus. Usefulness and relative advantage were consistently positive, while cost, inadequate infrastructure and absent trust were recurring inhibitors. Unified Theory of Acceptance and Use of Technology 2 and VAM help explain the consumer-level benefit, effort and sacrifice calculations; DOI and TOE extend the analysis to community diffusion, infrastructure and regulation. The evidence supports using these frameworks in combination as an interpretive architecture, but it does not demonstrate that every multi-framework model is superior or that one framework configuration will transfer unchanged across countries.</p>
<p>The reported model-level comparison is descriptive: a median <italic>R</italic>-squared of 0.49 for TAM-only applications and 0.78 for five-framework applications represents a 29-percentage-point difference. The five-framework median is approximately 59&#x0025; higher when 0.49 is the denominator, while the TAM-only median is approximately 37&#x0025; lower when 0.78 is the denominator. Neither expression establishes causation. The HHI of 0.200 indicates moderate geographic concentration and cautions against treating the regional evidence as evenly distributed.</p>
</sec>
<sec id="s20039">
<title>The infrastructure paradox: Load shedding through a Technology-Organisation-Environment lens</title>
<p>South Africa&#x2019;s load-shedding experience illustrates how a technologically advanced market can still face recurring operational instability. Artificial intelligence-enabled delivery depends on electricity, connectivity, cloud services, routing data and charging infrastructure; disruption at any of these points may weaken reliability and trust (Eskom <xref ref-type="bibr" rid="CIT0009">2023</xref>; Gillwald et al. <xref ref-type="bibr" rid="CIT0010">2018</xref>). I use &#x2018;infrastructure paradox&#x2019; to describe this tension between capability and continuity. The term is an interpretation generated by the synthesis. It should be tested through South African consumer and operator data rather than treated as a fact proven by the VCI or frequency counts.</p>
</sec>
<sec id="s20040">
<title>Regulatory duality through a Technology-Organisation-Environment lens</title>
<p><italic>Protection of Personal Information Act</italic> and South Africa&#x2019;s unmanned-aircraft regulatory framework can operate as both safeguards and constraints. Clear privacy protections may reduce perceived risk, while complex or restrictive operational requirements may slow the scaling of drone services into underserved areas (Information Regulator South Africa <xref ref-type="bibr" rid="CIT0014">2021</xref>; Republic of South Africa <xref ref-type="bibr" rid="CIT0023">2013</xref>; South African Civil Aviation Authority <xref ref-type="bibr" rid="CIT0027">n.d.</xref>). I interpret this as regulatory duality: regulation may build legitimacy while also increasing implementation burden. The mixed VCI for institutional and policy support is consistent with that interpretation, but it does not quantify the effect of POPIA or aviation rules on South African consumers directly.</p>
</sec>
<sec id="s20041">
<title>Township last-mile challenge: Diffusion of Innovation and Value-based Adoption Model in tandem</title>
<p>South African townships present practical challenges, including informal addressing, dense settlement patterns, security concerns and unequal access to conventional delivery services. Diffusion of Innovation suggests that relative advantage may be especially salient where the alternative is limited service, while VAM highlights whether that benefit outweighs cost, privacy and reliability concerns (Kim et al. <xref ref-type="bibr" rid="CIT0015">2007</xref>; Rogers <xref ref-type="bibr" rid="CIT0025">2003</xref>). Operators may therefore consider framing AI-enabled delivery around access and service reliability rather than convenience alone. This remains an evidence-informed proposition that requires local validation.</p>
</sec>
<sec id="s20042">
<title>Digital literacy stratification and the heterogeneous consumer</title>
<p>Unified Theory of Acceptance and Use of Technology 2&#x2019;s facilitating-conditions construct and digital-divide scholarship indicate that South African consumers should not be treated as a homogeneous adoption group (Gillwald et al. <xref ref-type="bibr" rid="CIT0010">2018</xref>; GSMA <xref ref-type="bibr" rid="CIT0011">2024</xref>; Van Dijk <xref ref-type="bibr" rid="CIT0032">2020</xref>). Differences in connectivity, skills, language, income and location are likely to shape onboarding and continued use. The low co-occurrence of institutional support and digital literacy in the corpus suggests that regulatory and individual-level research have often proceeded separately. South African primary research should examine how those levels interact rather than presuming a fixed segmentation model.</p>
</sec>
<sec id="s20043">
<title>What this review changes</title>
<p>The review&#x2019;s principal contribution is not the claim that one acceptance framework should replace another. It is the argument that AI-driven delivery in sub-Saharan Africa must be analysed across linked levels: consumer perceptions, value sacrifices, community diffusion, infrastructure and institutions. For South Africa, this shifts information management from a narrow question of whether users intend to adopt towards a broader question of whether services remain accessible, trustworthy and operable under unequal conditions. The infrastructure paradox and regulatory duality are proposed as organising interpretations for that broader agenda. They are supported by the synthesis but remain open to empirical challenge.</p>
</sec>
<sec id="s20044">
<title>Strengths and limitations</title>
<p>Strengths of the review include the use of five complementary frameworks, PRISMA-guided screening, inclusion of African-focused sources, explicit construct mapping and high inter-rater agreement for the sampled coding (kappa = 0.89). Important limitations remain. The protocol was not prospectively registered; the exact final search date and database-specific search logs were not retained; the complete 42-study extraction matrix was not included in the supplied manuscript; and no formal study-level risk-of-bias assessment was available. The evidence is geographically concentrated, dominated by quantitative surveys and based on heterogeneous instruments and statistical measures. The <italic>R</italic>-squared subgroup comparison is descriptive and may partly reflect model complexity. Operational reports and policy documents provide contextual insight but should not be treated as equivalent to peer-reviewed consumer-acceptance studies. These limitations restrict causal inference and transferability to South Africa.</p>
</sec>
<sec id="s20045">
<title>Implications and recommendations</title>
<p><xref ref-type="table" rid="T0006">Table 6</xref> presents evidence-informed implications by stakeholder group. The actions are framed as options to be evaluated and tested in context rather than as outcomes guaranteed by the review evidence.</p>
<table-wrap id="T0006">
<label>TABLE 6</label>
<caption><p>Evidence-informed implications and proposed actions by stakeholder group (<italic>k</italic> = 42 studies).</p></caption>
<table frame="hsides" rules="groups">
<thead>
<tr>
<th valign="top" align="left">Stakeholder</th>
<th valign="top" align="left">Key implication</th>
<th valign="top" align="left">Recommended action</th>
</tr>
</thead>
<tbody>
<tr>
<td align="left">AI delivery operators</td>
<td align="left">Infrastructure resilience and perceived value appear central to acceptance decisions</td>
<td align="left">Consider offline-tolerant and low-data interfaces, resilient power arrangements, multilingual onboarding and pricing pilots that test affordability</td>
</tr>
<tr>
<td align="left">Policymakers (CAA, DCDT)</td>
<td align="left">Regulatory design may build trust while also increasing implementation burden</td>
<td align="left">Evaluate proportionate drone corridors, strengthen transparent <italic>POPIA</italic> communication and coordinate aviation, digital and local-government requirements</td>
</tr>
<tr>
<td align="left">Information managers</td>
<td align="left">Unequal facilitating conditions require differentiated information and support</td>
<td align="left">Pilot tiered onboarding, community-based support and multiple tracking channels, including low-data and messaging-based options</td>
</tr>
<tr>
<td align="left">Logistics providers</td>
<td align="left">Relative advantage may be strongest where conventional delivery access is limited</td>
<td align="left">Test access- and reliability-focused value propositions with community organisations before wider deployment</td>
</tr>
<tr>
<td align="left">Academic researchers</td>
<td align="left">South Africa-specific, qualitative and longitudinal evidence remains limited</td>
<td align="left">Validate measures in multilingual and low-literacy settings, examine intention-to-use gaps over time and compare policy implementation across countries</td>
</tr>
</tbody>
</table>
<table-wrap-foot>
<fn><p>AI, artificial intelligence; POPIA, <italic>Protection of Personal Information Act</italic>; CAA, Civil Aviation Authority; DCDT, Department of Communications and Digital Technologies.</p></fn>
</table-wrap-foot>
</table-wrap>
</sec>
</sec>
<sec id="s0046">
<title>Conclusion</title>
<p>RQ1 is answered by the identification of nine recurring categories spanning usefulness, effort, trust, digital literacy, infrastructure, cost, institutional support, relative advantage and behavioural intention. Their distribution across UTAUT2, VAM, DOI, TOE and TAM shows that acceptance involves both individual perceptions and structural conditions. RQ2 is answered more cautiously: usefulness and relative advantage were consistently positive, while inadequate infrastructure, cost and absent trust were consistently negative, but the reported beta coefficients, correlations, indirect effects and model-level <italic>R</italic>-squared values are not directly interchangeable.</p>
<p>RQ3 shows that the evidence is moderately geographically concentrated (HHI = 0.200), with Nigeria, Kenya, South Africa and Ghana contributing most studies. Transfer to South Africa must therefore account for national differences in infrastructure, regulation, market structure and consumer inequality. The higher median <italic>R</italic>-squared reported by multi-framework studies is an association that may reflect theoretical breadth, additional predictors or subgroup differences; it is not treated as causal proof.</p>
<p>RQ4 indicates that South African stakeholders should test resilient infrastructure, transparent data governance, proportionate aviation regulation, multilingual and low-data design and affordability measures. These are evidence-informed proposals rather than guaranteed solutions. Future research should complete a formal risk-of-bias assessment, publish the full extraction and coding records, validate acceptance measures in diverse South African communities and examine whether intentions translate into sustained use under real operational conditions.</p>
</sec>
</body>
<back>
<ack>
<title>Acknowledgements</title>
<p>I would like to acknowledge the Department of Informatics for the enabling environment. I also acknowledge my family for their support.</p>
<sec id="s20047" sec-type="COI-statement">
<title>Competing interests</title>
<p>The author declares that no financial or personal relationships inappropriately influenced the writing of this article.</p>
</sec>
<sec id="s20048">
<title>CRediT authorship contribution</title>
<p>Tope S. Adeyelure: Conceptualisation, Data curation, Formal analysis, Investigation, Methodology, Resources, Writing &#x2013; original draft, Writing &#x2013; review &#x0026; editing. The author confirms that this work is entirely their own, has reviewed the article, approved the final version for submission and publication and takes full responsibility for the integrity of its findings.</p>
</sec>
<sec id="s20049" sec-type="data-availability">
<title>Data availability</title>
<p>The data that support the findings of this study are available from the corresponding author, Tope S. Adeyelure, upon reasonable request.</p>
</sec>
<sec id="s20050">
<title>Disclaimer</title>
<p>The views and opinions expressed in this article are those of the author and are the product of professional research. They do not necessarily reflect the official policy or position of any affiliated institution, funder, agency, or that of the publisher. The author is responsible for this article&#x2019;s results, findings, and content.</p>
</sec>
</ack>
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<fn><p><bold>How to cite this article:</bold> Adeyelure, T.S., 2026, &#x2018;Consumer-acceptance of artificial intelligence-driven delivery systems in sub-Saharan Africa: A systematic review of contextual factors with implications for South Africa&#x2019;, <italic>South African Journal of Information Management</italic> 28(1), a2228. <ext-link ext-link-type="uri" xlink:href="https://doi.org/10.4102/sajim.v28i1.2228">https://doi.org/10.4102/sajim.v28i1.2228</ext-link></p></fn></fn-group>
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