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<p>This study examines crowdfunding backer decision-making through an extended Information Adoption Theory framework, situated within the broader context of the knowledge economy. In knowledge economies, crowdfunding platforms serve as critical conduits through which specialized knowledge about innovations is created, shared, and applied to drive economic activity. Using mixed-methods research with 594 Ghanaian backers from GoFundMe, Kickstarter, and Indiegogo, this study explores how perceived risk, information quality, source credibility, social influence, and information adoption readiness shape backers’ capacity to absorb and apply project knowledge to make funding decisions. The results demonstrate that the usefulness of information significantly influences backing decisions, with social influence emerging as the most important high-performance factor—providing strong evidence of how knowledge diffuses through peer networks in digital financial ecosystems. The findings provide valuable insights for platform designers, project creators, and policymakers seeking to build inclusive knowledge economies in developing markets.</p>

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Beyond Traditional Information Adoption: How Risk Perception, Social Influence, and Readiness Shape Crowdfunding Backer Decisions in Emerging Markets

  • 期刊论文

  • 发表日期：

    2026年6月22日

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  • Isaac Edem Djimesah,
  • Hongjiang Zhao,
  • Agnes Naa Dedei Okine,
  • Wanlun Chen,
  • Kingsford Kissi Mireku,
  • John Coffie Azamela,
  • Obed Tettey Nartey,
  • Gloria Djimesah

摘要

This study examines crowdfunding backer decision-making through an extended Information Adoption Theory framework, situated within the broader context of the knowledge economy. In knowledge economies, crowdfunding platforms serve as critical conduits through which specialized knowledge about innovations is created, shared, and applied to drive economic activity. Using mixed-methods research with 594 Ghanaian backers from GoFundMe, Kickstarter, and Indiegogo, this study explores how perceived risk, information quality, source credibility, social influence, and information adoption readiness shape backers’ capacity to absorb and apply project knowledge to make funding decisions. The results demonstrate that the usefulness of information significantly influences backing decisions, with social influence emerging as the most important high-performance factor—providing strong evidence of how knowledge diffuses through peer networks in digital financial ecosystems. The findings provide valuable insights for platform designers, project creators, and policymakers seeking to build inclusive knowledge economies in developing markets.