{"id":7863,"date":"2025-04-09T07:36:39","date_gmt":"2025-04-09T07:36:39","guid":{"rendered":"https:\/\/scai.kibu.ac.ke\/?p=7863"},"modified":"2025-12-24T00:16:57","modified_gmt":"2025-12-24T00:16:57","slug":"framework-for-adoption-of-e-payment-systems-for-small-and-medium-sized-enterprises-in-kenya","status":"publish","type":"post","link":"https:\/\/kibu.ac.ke\/scai\/framework-for-adoption-of-e-payment-systems-for-small-and-medium-sized-enterprises-in-kenya\/","title":{"rendered":"Framework For Adoption Of E-Payment Systems For Small And Medium-Sized Enterprises In Kenya"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7863\" class=\"elementor elementor-7863\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-93c0ab3 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-height-default\" data-id=\"93c0ab3\" data-element_type=\"section\" id=\"ourgoal\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4cd837a5\" data-id=\"4cd837a5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ea4bda3 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6ea4bda3\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Framework For Adoption Of E-Payment Systems For Small And Medium-Sized Enterprises In Kenya<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2adb0cfc elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"2adb0cfc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-557d0aae\" data-id=\"557d0aae\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-296ae41f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"296ae41f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-104abf elementor-invisible\" data-id=\"104abf\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f930b57 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1f930b57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2021<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4e3e2f86 elementor-invisible\" data-id=\"4e3e2f86\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5be197 elementor-widget elementor-widget-heading\" data-id=\"5be197\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KIBU Authors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ddecd1b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"6ddecd1b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ngetich Kimurgor Jackson<\/p><p>Anselemo Peters Ikoha<\/p><p>Franklin Wabwoba<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-26452fe8 elementor-invisible\" data-id=\"26452fe8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57962c7d elementor-tablet-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"57962c7d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/www.ijcttjournal.org\/archives\/ijctt-v69i2p102\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW ON PUBLISHER SITE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-64b3beee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64b3beee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5d655f29 elementor-invisible\" data-id=\"5d655f29\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-283ff4df elementor-widget elementor-widget-heading\" data-id=\"283ff4df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c3c730 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"39c3c730\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>New monetary requirements have been generated by the growth and emergence of e-commerce, which cannot be adequately met in numerous cases by traditional payment systems. E-payment systems have reformed the business process by weakening paperwork, exchanging expenses and labor costs, and increasing security to both buyers and sellers. Despite these benefits, many Small and Medium Enterprises (SMEs) are yet to incorporate e-payment systems into their businesses in Kenya. Virtually the parties that have made an effort towards the adoption of e-payment systems are investigating different sorts of electronic systems for payment. Therefore, the purpose of this paper is to develop a framework for the adoption of e-payment systems in Kenya for SMEs. The study adopted a survey research design. A purposive sampling technique was used to select a sample of 204 SMEs that represented the entire SMEs population in Kenya. The methods for data collection were content analysis, questionnaires, and interviews. Both descriptive and inferential statistics involving numerical data were used to interpret the collected data. The findings of the study reveal that ease of access and usefulness to e-payment systems were found to influence the choice of e-payment system use. Security issues came out as one of the major challenges in the e-payment adoption process and, finally, various e-payment systems. The other major problem witnessed included the absence of protection legally, the absence of e-payment capacity in collaborative organizations, and the absence of a requirement for e-payment. This can only be effective after the Technologies have been well-integrated and with minimal charges. The study analyzed all these aspects and developed a framework that provides guidelines for e-payment systems adoption in SMEs, guides e-payment systems developers to make informed decisions in the requirement elicitation stage that results in e-payment systems that suit SMEs in Kenya, and provides a benchmark for e-payment systems that are acceptable to SMEs in Kenya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2021 KIBU Authors Ngetich Kimurgor Jackson Anselemo Peters Ikoha Franklin Wabwoba VIEW ON PUBLISHER SITE Abstract New monetary requirements have been generated by the growth and emergence of e-commerce, which cannot be adequately met in numerous cases by traditional payment systems. E-payment systems have reformed the business process by weakening paperwork, exchanging expenses and labor [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-7863","post","type-post","status-publish","format-standard","hentry","category-research-list"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Framework For Adoption Of E-Payment Systems For Small And Medium-Sized Enterprises In Kenya - School of Computing &amp; Informatics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kibu.ac.ke\/scai\/framework-for-adoption-of-e-payment-systems-for-small-and-medium-sized-enterprises-in-kenya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Framework For Adoption Of E-Payment Systems For Small And Medium-Sized Enterprises In Kenya - School of Computing &amp; Informatics\" \/>\n<meta property=\"og:description\" content=\"2021 KIBU Authors Ngetich Kimurgor Jackson Anselemo Peters Ikoha Franklin Wabwoba VIEW ON PUBLISHER SITE Abstract New monetary requirements have been generated by the growth and emergence of e-commerce, which cannot be adequately met in numerous cases by traditional payment systems. 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