Adoption of Mobile Payments in Kenyan Businesses: A case study of Small and Medium Enterprises (SME) in Kenya

Erick Ochieng Otieno · Andrew Mwaura Kahonge

10 citations0/0 files storedInternational Journal of Computer Applications

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Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

This study focuses on adoption of mobile payment on business in Kenya.We employ Technology, Organization and Environment (TOE) to identify factors that motivate SME to adopt mobile payment methods in their businesses.To achieve this, we performed a cross-sectional survey and sampled 317 SMEs from three strata; hotels and restaurants, tours and travel and supermarkets.Structured Equation Model (SEM) analysis reveals a significant relationship between all indicators and latent variables; Technology, Organization and Environment.Based on these results, we then present a validated framework for the adoption of Mobile Payment platforms in SMEs.

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References

2012Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology1 20234 Research Methods: Quantitative and Qualitative Approaches 2007The Legacy of the Technology Acceptance Model and a Proposal for a Paradigm Shift.2012Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology 2004Information Technology Payoff in E-Business Environments: An International Perspective on Value Creation of E-Business in the Financial Services Industry 2007Toward a unified theory of consumer acceptance technology 2008Issues and procedures in adopting structural equation modelling technique 2010The Impact of Mobile Payments on the Success and Growth of Micro-Business: The Case of M-Pesa in Kenya

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