Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling

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dc.contributor.advisorBrown, Irwinen_ZA
dc.contributor.authorMwangi, James Bonifaceen_ZA
dc.date.accessioned2015-05-26T14:13:07Z
dc.date.available2015-05-26T14:13:07Z
dc.date.issued2014en_ZA
dc.descriptionIncludes bibliographical references.en_ZA
dc.description.abstractEvaluating the impact of Information and Communications Technologies for Development (ICT4D) has been a challenge both in terms of theoretical and methodological approaches. It has been pointed out in extant literature that ICT4D impact studies are few compared to those that investigate determinants of adoption. Knowledge of this scarcity and the theoretical and methodological limitations led to the conception of this study. This study set out to investigate the decision criteria evaluated by Kenyan micro, small and medium enterprises (MSMEs) when making the initial mobile banking adoption and usage decisions with a view to unearth the designed and emergent consequences. Ethnographic decision tree modelling (EDTM) which is a cognitive research methodology was feasibly employed to obtain the adoption and usage decision criteria from which quantifiable and non-quantifiable consequences were then inferred. Structuration theory was used as a theoretical lens to view the complex context in which mobile banking is embedded and adopted by MSMEs. The analysis of the empirical data obtained from the MSMEs led to the construction and testing of three decision models from which the study’s theory was developed. The derived theory demonstrates the existence of structurational interactions among decision criteria, antecedents of technology adoption, behavioural intention to adopt, and the designed and emergent consequences of actual usage. The study further reveals that contrary to popular belief and argument that adoption of mobile banking technology lowers financial services cost, Kenyan MSMEs adopt the technology not because of its affordability but because of other factors such as perceived usefulness, accessibility, safe custody of daily income, limited organizational capabilities, perceived ease of use, social capital and trust structures. The derived explanatory-predictive theory provides findings that may have significant implications for fiscal and monetary policymakers, development experts and mobile banking technology designers.en_ZA
dc.identifier.apacitationMwangi, J. B. (2014). <i>Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling</i>. (Thesis). University of Cape Town ,Faculty of Commerce ,Department of Information Systems. Retrieved from http://hdl.handle.net/11427/12865en_ZA
dc.identifier.chicagocitationMwangi, James Boniface. <i>"Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling."</i> Thesis., University of Cape Town ,Faculty of Commerce ,Department of Information Systems, 2014. http://hdl.handle.net/11427/12865en_ZA
dc.identifier.citationMwangi, J. 2014. Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling. University of Cape Town.en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Mwangi, James Boniface AB - Evaluating the impact of Information and Communications Technologies for Development (ICT4D) has been a challenge both in terms of theoretical and methodological approaches. It has been pointed out in extant literature that ICT4D impact studies are few compared to those that investigate determinants of adoption. Knowledge of this scarcity and the theoretical and methodological limitations led to the conception of this study. This study set out to investigate the decision criteria evaluated by Kenyan micro, small and medium enterprises (MSMEs) when making the initial mobile banking adoption and usage decisions with a view to unearth the designed and emergent consequences. Ethnographic decision tree modelling (EDTM) which is a cognitive research methodology was feasibly employed to obtain the adoption and usage decision criteria from which quantifiable and non-quantifiable consequences were then inferred. Structuration theory was used as a theoretical lens to view the complex context in which mobile banking is embedded and adopted by MSMEs. The analysis of the empirical data obtained from the MSMEs led to the construction and testing of three decision models from which the study’s theory was developed. The derived theory demonstrates the existence of structurational interactions among decision criteria, antecedents of technology adoption, behavioural intention to adopt, and the designed and emergent consequences of actual usage. The study further reveals that contrary to popular belief and argument that adoption of mobile banking technology lowers financial services cost, Kenyan MSMEs adopt the technology not because of its affordability but because of other factors such as perceived usefulness, accessibility, safe custody of daily income, limited organizational capabilities, perceived ease of use, social capital and trust structures. The derived explanatory-predictive theory provides findings that may have significant implications for fiscal and monetary policymakers, development experts and mobile banking technology designers. DA - 2014 DB - OpenUCT DP - University of Cape Town LK - https://open.uct.ac.za PB - University of Cape Town PY - 2014 T1 - Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling TI - Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling UR - http://hdl.handle.net/11427/12865 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/12865
dc.identifier.vancouvercitationMwangi JB. Analysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modeling. [Thesis]. University of Cape Town ,Faculty of Commerce ,Department of Information Systems, 2014 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/12865en_ZA
dc.language.isoengen_ZA
dc.publisher.departmentDepartment of Information Systemsen_ZA
dc.publisher.facultyFaculty of Commerceen_ZA
dc.publisher.institutionUniversity of Cape Town
dc.subject.otherInformation Systemsen_ZA
dc.titleAnalysis of designed and emergent consequences of mobile banking usage by SME’s in Kenya using ethnographic decision tree modelingen_ZA
dc.typeDoctoral Thesis
dc.type.qualificationlevelDoctoral
dc.type.qualificationnamePhDen_ZA
uct.type.filetypeText
uct.type.filetypeImage
uct.type.publicationResearchen_ZA
uct.type.resourceThesisen_ZA
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