Browsing by Author "Prof Michael Korir"

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    E-Banking Technology Characteristics and Performance of Micro and Small Enterprise in Kenya: A Moderated Mediation Model of Adoption and Innovative Behavior
    (2024-08-22) Beatrice Kitigin; Prof Michael Korir; Dr. Kefa Chepkwony
    Design/methodology: The study employed an explanatory research design and a multistage sampling technique to collect cross-sectional data using a self-administered questionnaire. The sample size of 455 MSEs was drawn from a target population of 5915 in Vihiga County, Kenya. Findings-The study findings showed a complementary mediation of e-banking technology adoption on the relationship between e- banking technology characteristics and MSE performance. Additionally, innovative behavior moderated the association between e-banking technology adoption and MSE performance but did not moderate the relationship between e-banking technology characteristics and e-banking technology adoption. Further, innovative behavior moderates the indirect relationship between e-banking technology characteristics and MSE performance via e-banking technology adoption. This effect was much more substantial, with a higher level of innovative behavior. Practical Implications- These findings underscored the need for policy reviews for government, county, and private sector on e- banking technology adoption and MSE performance in Kenya. Originality/value- The study's findings bring vital knowledge concerning the indirect effect of e-banking technology adoption and innovative behavior on the study variables.