E-Banking Technology Characteristics and Performance of Micro and Small Enterprise in Kenya: A Moderated Mediation Model of Adoption and Innovative Behavior
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Date
2024-08-22
Journal Title
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Abstract
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.