Determinants of Adoption of Micro-services in Digital Banking Solutions Among Commercial Banks in Kenya

Abstract

Microservices architecture is a major trend in software development presently. It promotes the componentization concept where a single application is broken down to small and independent services. This study was founded on three research objectives; to determine if Benefits (Usefulness and Enjoyment) affects perceived Value of Microservices Architecture adoption in digital banking solutions, to examine the effect of Sacrifices (Ease of use and Perceived Fee) on perceived Value of Microservices Architecture adoption in digital banking solutions and to examine the effect of perceived value on the adoption of microservices architecture in digital banking solutions among Kenyan Commercial Banks. The study adopted a quantitative descriptive survey approach. The study targeted respondents from commercial banks that had implemented or were in the process of implementing microservices architecture in their digital banking solutions. A total of 76 respondents were randomly selected to participate in the study. Data was collected using a Google form survey questionnaire which contained closed ended questions with sections each tailored on the respondents based on their current roles at the bank. Data was analysed using descriptive and inferential statistics and presented in concurrence with the objectives of the study. One-sample t-test and stepwise regression analysis methods were adopted for hypothesis testing. The study findings revealed that majority of the respondents perceived value 94.1% influenced their adoption of microservices architecture. Consequently, 95.6% of the respondents believed that the usefulness of microservices architecture influenced their perceived value of microservices architecture. The study determined that 93.4% of the respondents based their perception on value of microservices architecture on the enjoyment of the solution after implementation. 92.9% of the respondents believed that costs of implementation for the microservices architecture was reasonable with respect to the perceived value of the technology. All the respondents at 100% agreed that technicality which looked at Ease of use positively influenced their perceived value on microservices architecture adoption. The recommendation of the study was for more studies to be carried out more so from the end user perspective when implementing key financial software solutions.