Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations

Joseph Kuria Waitara; Anthony Gichuhi Waititu; Anthony Kibera Wanjoya

doi:doi:10.11648/j.ajtas.20150406.22

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Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations

Joseph Kuria Waitara, Anthony Gichuhi Waititu, Anthony Kibera Wanjoya

Published in American Journal of Theoretical and Applied Statistics (Volume 4, Issue 6)

Received: 24 September 2015 Accepted: 21 October 2015 Published: 30 October 2015

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Abstract

Mobile Money Transfer services have eased the means of transferring money from one mobile phone user to another in Kenya. Since the introduction of the services there is disparity in adoption of different mobile money transfer platforms in Kenya. In this study Structural Equation Modeling was used to create a model of factors that influence the adoption and usage of Mobile Money Transfer services in Kenya. The findings in this study provide useful information to Mobile Network Operators that they can use in implementation of their Mobile Money Transfer service. The study was conducted in Juja Township. The study established that the independent variable namely, Performance Expectancy, Effort Expectancy and Social Influence had significant influence on Behavioral Intention towards the use of a given Mobile Money Transfer service. This means that the MMT’s users would continue to use a given Mobile Money Transfer service they have chosen. Facilitating Conditions was found to be a significant factor in predicting adoption and use of Mobile Money Transfer for males and females where gender was used as moderating factor. Also Behavioral intention was a significant determinant of Use Behavior of Mobile Money Transfer services. In conclusion the research model was found to be important in determining factors that influence the adoption and use of a given Mobile Money Transfer service.

Published in	American Journal of Theoretical and Applied Statistics (Volume 4, Issue 6)
DOI	10.11648/j.ajtas.20150406.22
Page(s)	513-526
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2015. Published by Science Publishing Group

Keywords

Mobile Money Transfer Services (MMT’s), Mobile Network Operators (MNO), Structural Equation Model (SEM)

References

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APA Style

Joseph Kuria Waitara, Anthony Gichuhi Waititu, Anthony Kibera Wanjoya. (2015). Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. American Journal of Theoretical and Applied Statistics, 4(6), 513-526. https://doi.org/10.11648/j.ajtas.20150406.22

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ACS Style

Joseph Kuria Waitara; Anthony Gichuhi Waititu; Anthony Kibera Wanjoya. Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. Am. J. Theor. Appl. Stat. 2015, 4(6), 513-526. doi: 10.11648/j.ajtas.20150406.22

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AMA Style

Joseph Kuria Waitara, Anthony Gichuhi Waititu, Anthony Kibera Wanjoya. Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. Am J Theor Appl Stat. 2015;4(6):513-526. doi: 10.11648/j.ajtas.20150406.22

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@article{10.11648/j.ajtas.20150406.22,
  author = {Joseph Kuria Waitara and Anthony Gichuhi Waititu and Anthony Kibera Wanjoya},
  title = {Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations},
  journal = {American Journal of Theoretical and Applied Statistics},
  volume = {4},
  number = {6},
  pages = {513-526},
  doi = {10.11648/j.ajtas.20150406.22},
  url = {https://doi.org/10.11648/j.ajtas.20150406.22},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajtas.20150406.22},
  abstract = {Mobile Money Transfer services have eased the means of transferring money from one mobile phone user to another in Kenya. Since the introduction of the services there is disparity in adoption of different mobile money transfer platforms in Kenya. In this study Structural Equation Modeling was used to create a model of factors that influence the adoption and usage of Mobile Money Transfer services in Kenya. The findings in this study provide useful information to Mobile Network Operators that they can use in implementation of their Mobile Money Transfer service. The study was conducted in Juja Township. The study established that the independent variable namely, Performance Expectancy, Effort Expectancy and Social Influence had significant influence on Behavioral Intention towards the use of a given Mobile Money Transfer service. This means that the MMT’s users would continue to use a given Mobile Money Transfer service they have chosen. Facilitating Conditions was found to be a significant factor in predicting adoption and use of Mobile Money Transfer for males and females where gender was used as moderating factor. Also Behavioral intention was a significant determinant of Use Behavior of Mobile Money Transfer services. In conclusion the research model was found to be important in determining factors that influence the adoption and use of a given Mobile Money Transfer service.},
 year = {2015}
}

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TY  - JOUR
T1  - Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations
AU  - Joseph Kuria Waitara
AU  - Anthony Gichuhi Waititu
AU  - Anthony Kibera Wanjoya
Y1  - 2015/10/30
PY  - 2015
N1  - https://doi.org/10.11648/j.ajtas.20150406.22
DO  - 10.11648/j.ajtas.20150406.22
T2  - American Journal of Theoretical and Applied Statistics
JF  - American Journal of Theoretical and Applied Statistics
JO  - American Journal of Theoretical and Applied Statistics
SP  - 513
EP  - 526
PB  - Science Publishing Group
SN  - 2326-9006
UR  - https://doi.org/10.11648/j.ajtas.20150406.22
AB  - Mobile Money Transfer services have eased the means of transferring money from one mobile phone user to another in Kenya. Since the introduction of the services there is disparity in adoption of different mobile money transfer platforms in Kenya. In this study Structural Equation Modeling was used to create a model of factors that influence the adoption and usage of Mobile Money Transfer services in Kenya. The findings in this study provide useful information to Mobile Network Operators that they can use in implementation of their Mobile Money Transfer service. The study was conducted in Juja Township. The study established that the independent variable namely, Performance Expectancy, Effort Expectancy and Social Influence had significant influence on Behavioral Intention towards the use of a given Mobile Money Transfer service. This means that the MMT’s users would continue to use a given Mobile Money Transfer service they have chosen. Facilitating Conditions was found to be a significant factor in predicting adoption and use of Mobile Money Transfer for males and females where gender was used as moderating factor. Also Behavioral intention was a significant determinant of Use Behavior of Mobile Money Transfer services. In conclusion the research model was found to be important in determining factors that influence the adoption and use of a given Mobile Money Transfer service.
VL  - 4
IS  - 6
ER  -

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Author Information

Joseph Kuria Waitara

School of Mathematics, Jomo Kenyatta University of Agriculture and Technology, Nairobi, Kenya
Anthony Gichuhi Waititu

School of Mathematics, Jomo Kenyatta University of Agriculture and Technology, Nairobi, Kenya
Anthony Kibera Wanjoya

School of Mathematics, Jomo Kenyatta University of Agriculture and Technology, Nairobi, Kenya

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Plain Text BibTeX RIS

APA Style

Joseph Kuria Waitara, Anthony Gichuhi Waititu, Anthony Kibera Wanjoya. (2015). Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. American Journal of Theoretical and Applied Statistics, 4(6), 513-526. https://doi.org/10.11648/j.ajtas.20150406.22

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ACS Style

Joseph Kuria Waitara; Anthony Gichuhi Waititu; Anthony Kibera Wanjoya. Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. Am. J. Theor. Appl. Stat. 2015, 4(6), 513-526. doi: 10.11648/j.ajtas.20150406.22

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AMA Style

Joseph Kuria Waitara, Anthony Gichuhi Waititu, Anthony Kibera Wanjoya. Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations. Am J Theor Appl Stat. 2015;4(6):513-526. doi: 10.11648/j.ajtas.20150406.22

Copy | Download

@article{10.11648/j.ajtas.20150406.22,
  author = {Joseph Kuria Waitara and Anthony Gichuhi Waititu and Anthony Kibera Wanjoya},
  title = {Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations},
  journal = {American Journal of Theoretical and Applied Statistics},
  volume = {4},
  number = {6},
  pages = {513-526},
  doi = {10.11648/j.ajtas.20150406.22},
  url = {https://doi.org/10.11648/j.ajtas.20150406.22},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajtas.20150406.22},
  abstract = {Mobile Money Transfer services have eased the means of transferring money from one mobile phone user to another in Kenya. Since the introduction of the services there is disparity in adoption of different mobile money transfer platforms in Kenya. In this study Structural Equation Modeling was used to create a model of factors that influence the adoption and usage of Mobile Money Transfer services in Kenya. The findings in this study provide useful information to Mobile Network Operators that they can use in implementation of their Mobile Money Transfer service. The study was conducted in Juja Township. The study established that the independent variable namely, Performance Expectancy, Effort Expectancy and Social Influence had significant influence on Behavioral Intention towards the use of a given Mobile Money Transfer service. This means that the MMT’s users would continue to use a given Mobile Money Transfer service they have chosen. Facilitating Conditions was found to be a significant factor in predicting adoption and use of Mobile Money Transfer for males and females where gender was used as moderating factor. Also Behavioral intention was a significant determinant of Use Behavior of Mobile Money Transfer services. In conclusion the research model was found to be important in determining factors that influence the adoption and use of a given Mobile Money Transfer service.},
 year = {2015}
}

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TY  - JOUR
T1  - Modeling Adoption and Usage of Mobile Money Transfer Services in Kenya Using Structural Equations
AU  - Joseph Kuria Waitara
AU  - Anthony Gichuhi Waititu
AU  - Anthony Kibera Wanjoya
Y1  - 2015/10/30
PY  - 2015
N1  - https://doi.org/10.11648/j.ajtas.20150406.22
DO  - 10.11648/j.ajtas.20150406.22
T2  - American Journal of Theoretical and Applied Statistics
JF  - American Journal of Theoretical and Applied Statistics
JO  - American Journal of Theoretical and Applied Statistics
SP  - 513
EP  - 526
PB  - Science Publishing Group
SN  - 2326-9006
UR  - https://doi.org/10.11648/j.ajtas.20150406.22
AB  - Mobile Money Transfer services have eased the means of transferring money from one mobile phone user to another in Kenya. Since the introduction of the services there is disparity in adoption of different mobile money transfer platforms in Kenya. In this study Structural Equation Modeling was used to create a model of factors that influence the adoption and usage of Mobile Money Transfer services in Kenya. The findings in this study provide useful information to Mobile Network Operators that they can use in implementation of their Mobile Money Transfer service. The study was conducted in Juja Township. The study established that the independent variable namely, Performance Expectancy, Effort Expectancy and Social Influence had significant influence on Behavioral Intention towards the use of a given Mobile Money Transfer service. This means that the MMT’s users would continue to use a given Mobile Money Transfer service they have chosen. Facilitating Conditions was found to be a significant factor in predicting adoption and use of Mobile Money Transfer for males and females where gender was used as moderating factor. Also Behavioral intention was a significant determinant of Use Behavior of Mobile Money Transfer services. In conclusion the research model was found to be important in determining factors that influence the adoption and use of a given Mobile Money Transfer service.
VL  - 4
IS  - 6
ER  -

Copy | Download