| dc.description.abstract | The study sought to investigate the effect of mobile phone based money transfer services on
Small and Medium Enterprises’ financial performance in Kenya. The objectives of this study
were; to determine if mobile money services uptake has any effect on SMEs growth through
increased sales or savings and loan accessibility, to establish whether Mobile Money Services
has led to efficiency in service delivery in the SMEs sector, to find out the contribution of
Mobile Money Services to better access to financial information in the SMEs sector in Kenya,
convenience and accessibility result in increased SMEs performance and establish if mobile
money services are considered reliable by SMEs in Nairobi county.
The study adopted descriptive survey method. A target population of more than 50,000 formally
registered SMEs was used and total sample size of 460 respondents was picked as representative
giving a provision of 20% over and above the desired sample size in the event of non response
on some of the respondents in the sample size. The desired sample size was derived using
Mugenda and Mugenda (2003) recommendation. Stratified sampling was one of the probability
techniques used in order to ensure that various types of SMEs were included in the survey. Data
was collected using self–administered questionnaires and interview guide. The collected data
was analyzed using Statistical package for Social Scientist software. The results of the study
were analyzed using descriptive and inferential statistics and the results were presented using
figures and tables.
The findings of the study revealed that there is a positive correlation between SMEs financial
performance and business growth, efficiency in service delivery, access to information and
convenience and reliability. Development of mobile money transfer services influences the
development of market; mobile money transfer services enhance efficiency in service delivery in
business; access to information in mobile money transfer services depend on the environment
and mobile money transfer services are convenient and reliable. The study recommends a
comprehensive technology-to-performance model that should include the characteristics of
technology, tasks and individuals as explanatory variables for technology use and individual
performance. From the literature review, we note that several of the studies applying Goodhue &
Thompson’s (1995) task-technology fit concept focus on managerial decision-making, which are
tasks that are also relevant to the study. | en_US |
