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    Factors influencing adoption of mobile banking in Kenya: a qualitative analysis of commercial banks in Nairobi County, Kenya

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    10577759 Applied research project.pdf (903.8Kb)
    Author
    Mulili, Stellamaris Mwithi
    Date
    2022
    Degree
    MSc in Financial Technology
    URI
    https://esource.dbs.ie/handle/10788/4333
    Publisher
    Dublin Business School
    Rights holder
    http://esource.dbs.ie/copyright
    Rights
    Items in eSource are protected by copyright. Previously published items are made available in accordance with the copyright policy of the publisher/copyright holder.
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    Abstract
    The study focused on determining factors influencing adoption of mobile banking in Kenya. The main objective was to examine the influence of perceived risks (financial risk), perceived usefulness (convenience and cost reduction) and regulatory factors (interoperability and privacy) on the adoption of mobile banking. A sample size was 57 was obtained through convenient sampling. A correlation analysis between perceived usefulness, perceived risks, regulatory factors and mobile banking adoption was conducted. A statistically significant correlation between perceived usefulness and adoption of technology was found (r=.63, p=0.00). The study found the correlation between perceived risks and adoption of technology to be strong and statistically significant (r=.82, p=0.00). A statistically significant correlation between regulatory factors and technology adoption (r=.89, p=0.00) was established. From the findings, banking institutions must improve their systems security, enhance security, and reduce cost of mobile banking services.
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