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Reseach Article

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

by Erick O. Otieno, andrew M. Kahonge
International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 107 - Number 7
Year of Publication: 2014
Authors: Erick O. Otieno, andrew M. Kahonge

Erick O. Otieno, andrew M. Kahonge . Adoption of Mobile Payments in Kenyan Businesses: A case study of Small and Medium Enterprises (SME) in Kenya. International Journal of Computer Applications. 107, 7 ( December 2014), 5-12. DOI=10.5120/18761-0041

@article{ 10.5120/18761-0041,
author = { Erick O. Otieno, andrew M. Kahonge },
title = { Adoption of Mobile Payments in Kenyan Businesses: A case study of Small and Medium Enterprises (SME) in Kenya },
journal = { International Journal of Computer Applications },
issue_date = { December 2014 },
volume = { 107 },
number = { 7 },
month = { December },
year = { 2014 },
issn = { 0975-8887 },
pages = { 5-12 },
numpages = {9},
url = { },
doi = { 10.5120/18761-0041 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
%0 Journal Article
%1 2024-02-06T22:40:25.379842+05:30
%A Erick O. Otieno
%A andrew M. Kahonge
%T Adoption of Mobile Payments in Kenyan Businesses: A case study of Small and Medium Enterprises (SME) in Kenya
%J International Journal of Computer Applications
%@ 0975-8887
%V 107
%N 7
%P 5-12
%D 2014
%I Foundation of Computer Science (FCS), NY, USA

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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Index Terms

Computer Science
Information Sciences


Mobile Payment Structured Equation Model Technology Organizational and Environmental Theory Technology Acceptance.