Predictors of Acceptance of ‘Lipa na Mpesa’ Mobile Payment by Micro Entrepreneurs: A Case of Micro Entrepreneurs in Laikipia East Sub-county Kenya
Micro-entrepreneurs in the developing world are increasingly deploying the use of mobile payments to enhance the quality of their services and increase growth. The pace of transformation in the micro business sector has speeded up with more micro entrepreneurs realizing the potential of using mobile payments in their service delivery. This study aimed to examine the predictors of acceptance of ‘Lipa na Mpesa’ mobile payments by micro entrepreneurs in Laikipia East Sub County. The study sought to find out whether ease of use, perceived usefulness and attitude towards usage influence acceptance of ‘Lipa na Mpesa’ mobile payments by micro entrepreneurs in Laikipia East Sub County. The scope of the study was limited to micro entrepreneurs within Laikipia East Sub County. The study was carried out in Nanyuki town. Descriptive survey design was used for the study. The population of the study comprised of micro entrepreneurs signed up for Lipa Na Mpesa by Kopo Kopo Inc. within Nanyuki town. A sample of 124 micro entrepreneurs was selected for the study. The research methodology used was both quantitative and qualitative methods. Questionnaires comprised of structured and unstructured questions. Descriptive statistical analysis such as frequency counts and percentages were used. The correlation between the independent and dependent variables was determined by the use of regression analysis. Validity was ensured by checking whether the items in the questionnaire were reflected in the research questions and objectives of the study. Reliability of data collection instruments was ascertained through piloting the instruments. Data presentation was in bar graphs, pie charts and tables. The researcher also analyzed records and available documents in the learning institutions. The study established a high degree of variation R2=0.850 (85.0%), that ease of use, perceived usefulness, attitude towards usage had on Intention to accept Lipa na Mpesa mobile payments. The researcher recommends that the service provider should maintain the technology deployed because it was found to be easy to use and also useful to micro entrepreneurs however, a further study is recommended to establish why most entrepreneurs had a low attitude towards using Lipa na M-pesa though they had signed up for the service initially.
Gatua Hosea Mwangi,
Bula Hannah Orwa,
Predictors of Acceptance of ‘Lipa na Mpesa’ Mobile Payment by Micro Entrepreneurs: A Case of Micro Entrepreneurs in Laikipia East Sub-county Kenya, Science Journal of Business and Management.
Vol. 3, No. 6,
2015, pp. 219-227.
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