ABSTRACT

This paper investigates the role of social influence on continuous intention to use Fintech mobile money lending app services in Kenya. A sample of 342 respondents was selected using convenience sampling. Data was analyzed using a structural equation modeling technique with the AMOS version 24 software. The study found out that social influence has a significant direct role on perceived security, satisfaction and continuous intention to use mobile money lending services. The moderating role of social influence strengthens the positive relationship between perceived security and perceived usefulness on one hand and perceived satisfaction and continuous intention to use mobile money lending services, especially among mobile money lending apps users on the other hand. In addition, Kenyans will continue to use mobile money lending app services if they remain useful, secure, satisfactory and meet their expectations.

摘要

本文调查了社会影响对肯尼亚持续使用金融科技移动借贷应用服务的意愿的作用。使用方便抽样选择了 342 名受访者的样本。使用 AMOS 24 版软件的结构方程建模技术分析数据。研究发现，社会影响对感知安全性、满意度和持续使用移动借贷服务的意愿具有显着的直接作用。社会影响的调节作用一方面加强了感知安全性和感知有用性与感知满意度和持续使用移动借贷服务之间的正相关关系，另一方面在移动借贷应用用户中尤其如此。此外，