Factors Affecting the Intention to Adopt MMT: An Empirical Study among M-Pesa Customers in Kenya

Abstract

The intention to adopt mobile money transfer technology has diminutive the telecommunications costs in many parts of the developing world from exorbitant levels to virtually identical amounts, particularly in Kenya. The goal of running this study is to examine the factors in terms of Performance expectancy (PE), Effort expectancy (EE), Social influence (SI) on the intention to adopt mobile money transfer among M-Pesa customers in Kenya. The data collected by using the questionnaires via Google Form and using the SPSS to analyze the data collected.

The hypotheses were tested to evaluate the various variable on the intention to adopt mobile money transfer and explore the relationships of every variable. outcomes revealed that two of the independent variablesare(effort expectancy and social influence)which were positively influences customers’ intentions to adopt mobile money transfer. where the third independent variable was (performance expectancy), was a negatively influences customers’ intentions to adopt mobile money transfer.

Keywords: Intention to adopt mobile money transfer, Performance expectancy, Effort expectancy, Social influence.