E-Banking Technology Characteristics, Innovative Behaviour and E-Banking Technology Adoption in Vihiga County, Kenya

  • Beatrice K. Kitigin Department of Quantitative Skills and Entrepreneurship Studies, School of Business and Economics, Moi University, Kenya
  • Michael Korir Department of Management Science, School of Business and Economics, Moi University, Kenya
  • Kefa Chepkwony Department of Quantitative Skills and Entrepreneurship Studies, School of Business and Economics, Moi University, Kenya
Keywords: Innovative Behaviour, E-Banking Technology Characteristics, Adoption, Vihiga, Kenya


Technological transformation is gradually shaping the operations of micro and small enterprise sector. The call for e-banking technology adoption has emerged as a result of challenges associated with transactions such as bills payment, funds transfer, deposits, payments of suppliers, receiving payments and maintaining business relationships.  Given e-banking technology characteristics, past studies have sought to look into it in relation to e-banking technology adoption. However, to fill the existing gap, the study used innovative behaviour to moderate the link between the study variables. The main objective was to assess the moderating effect of innovative behaviour on relationship between E-banking technology characteristics and E-banking technology adoption in Vihiga County, Kenya. Specifically, the study evaluated the effect of e-banking technology characteristics on e-banking technology adoption; the moderating effect of innovative behaviour on e-banking technology characteristics and e-banking technology adoption. As guided by diffusion of innovation theory, positivism research paradigm and explanatory research design, 5915 MSEs were targeted. Using multi-stage sampling technique, data from 455 Micro and Small Enterprises (MSEs) was analyzed. The findings indicated that there is a significant relationship between e-banking technology characteristics and e-banking technology adoption (β=.798, p=.000 with 64.5% prediction. The moderating variable, innovative behaviour, had an insignificant relationship between e-banking technology characteristics and e-banking technology adoption. Based on these results, it is recommended that the government and the policy makers should formulate regulatory requirements to make entrepreneurs switch from cash to e-banking technology. This will in turn change the mind-set of the entrepreneurs to see technology adoption as a positive move towards enterprise performance. It is expected that the findings of the study should form a basis for policy reviews for government, county and private sector on e-banking technology characteristics and e-banking technology adoption.


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How to Cite
Kitigin, B., Korir, M., & Chepkwony, K. (2020, July 17). E-Banking Technology Characteristics, Innovative Behaviour and E-Banking Technology Adoption in Vihiga County, Kenya. African Journal of Education,Science and Technology, 6(1), Pg 185-197. Retrieved from http://ajest.info/index.php/ajest/article/view/475