Individual Attributes and the Adoption of Cross-Network Mobile Money Transfer Service by SMEs in Murang’a Municipality

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dc.contributor.author Momanyi, Stanley O.
dc.contributor.author Otieno, Richard J.
dc.contributor.author Machogu, Clifford
dc.date.accessioned 2020-10-19T06:57:46Z
dc.date.available 2020-10-19T06:57:46Z
dc.date.issued 2020-10
dc.identifier.citation IOSR Journal of Business and Management (IOSR-JBM), Volume 22, Issue 10. Ser. V (October 2020), PP 48-58 www.iosrjournals.org en_US
dc.identifier.issn 2278-487X
dc.identifier.uri http://www.iosrjournals.org/iosr-jbm/papers/Vol22-issue10/Series-5/G2210054858.pdf
dc.identifier.uri http://hdl.handle.net/123456789/4448
dc.description.abstract Kenya introduced a platform-level cross-network mobile money transfer service in the year 2018, a move that made the country join other East African countries namely Rwanda and Tanzania in operating interoperable systems. The implementation of cross-network mobile money transfer service was meant to increase access to finance by the unbanked population and reduce Safaricom M-Pesa dominance in the country. However, data shows that the adoption rate is still low in the country. This study sought to assess individual attributes affecting the adoption of cross-network mobile money transfer service by SMEs in Murang’a municipality. Specifically, the study assessed how perceived usefulness, user awareness, user attitude, and perceived ease of use influence the adoption of cross-network mobile money transfer services. Primary data was obtained through questionnaires from a sample size of 250 participants using purposeful sampling design. The analysis of data was done by the use of descriptive and inferential statistics. The study found out that the adoption rate of crossnetwork mobile money transfer service was very low as only 36% of the respondents had adopted and used the service and the other 64% had not adopted the service mostly because of unawareness and lack of interoperability at the agent level. Based on the above findings; the study recommends that the policymakers ensure they create more awareness about the existence of the service and expand interoperability by having it at the agency level en_US
dc.language.iso en en_US
dc.publisher IOSR Journals en_US
dc.subject Perceived usefulness en_US
dc.subject user awareness en_US
dc.subject Agent interoperability en_US
dc.subject SMEs en_US
dc.subject mobile money en_US
dc.title Individual Attributes and the Adoption of Cross-Network Mobile Money Transfer Service by SMEs in Murang’a Municipality en_US
dc.type Article en_US


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