Gathumbi, Jamal Omar Kongo (2015) Factors Affecting Electronic Payment Adoption by Matatu Owners Saccos in Nairobi City County. Masters thesis, University of Nairobi.
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Abstract
E-commerce, which is combination of traditional commerce and Internet, has brought dramatic changes of the way business transactions are conducted not only in Kenya but across the world. The study sought to establish the factors affecting electronic payment adoption by Matatu owners Sacco in Nairobi County. The study adopted a cross-sectional design and was guided by the following research objective; to establish the factors affecting electronic payment adoption by Matatu owners Sacco in Nairobi County. The study utilized primary data which was collected using a semi-structured questionnaire. From a population of 64 SACCOS, a 41% random sample was taken for the study. A 5- point Likert scale was used to measure the output of each item answered by the participants. Descriptive statistics were used to describe (and analyze) the variables numerically. The outcome of the study established that although matatu SACOS have positively responded to the call to adopt e-payment systems, they have faced immense challenges in successful adoption of the electronic technology. The study revealed that factors affecting the adoption of e-payment technology range from capacity of owners, government policy, lack of adequate a legal and institutional framework and low ICT knowledge base. The study recommends that relevant agencies foster public-private collaborations in ICT training, re-training to empower the matatu operators with adequate ICT tools to enhance the uptake of e-payment techniques not only in Nairobi but across the country. The study further recommends that both the private and public sector to collaboratively establish the right legal and institutional structures to create an enabling environment for technology absorption among the matatu operators in Nairobi and beyond to ameliorate the impact arising from the absence of an appropriate legal and institutional framework. Due to the lack of adequate Government support particularly in terms of Reinforcement from the relevant authority, the study recommends that the national government through line ministries to formulate sound polices ant strategic plans biased towards creating impetus to technology dissemination and absorption among the matatu operators to enhance their core competencies. The study was limited to the extent that, a study of this magnitude should have included a survey of a sizeable number of firms. However time and material resources did not make this feasible. On the other hand, the study period was a little bit narrow for a study of this nature posing a major hindrance particularly in ensuring that the research work did not hamper the performance and productivity of the researcher at the work place. The study recommends further research to focus on identifying optimal e-payment practices and on the possibility of setting benchmarks in Kenya. The need for further research into this aspect is further compounded by the facts that electronic payment particularly in the matatu industry is a relatively new phenomenon in Kenya. Studies involving confirmatory analysis will need to be carried out to further test and confirm the findings of the study. In the same context, there is need for further research to focus on the critical success factors in the adoption and successful implementation of electronic payment techniques not only in the matatu sector but across the other sectors in Kenya.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HE Transportation and Communications |
| Divisions: | Africana |
| Depositing User: | Mr Nahum Osman |
| Date Deposited: | 29 Jul 2016 11:21 |
| Last Modified: | 29 Jul 2016 12:09 |
| URI: | http://thesisbank.jhia.ac.ke/id/eprint/865 |
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