Fintechs’ Future in Kenya: Does Social Influence Matter?

This study explores how social influence affects the continued use of Fintech mobile money lending apps in Kenya. Analyzing data from 342 users through structural equation modeling, it finds that social influence significantly impacts perceived security, satisfaction, and ongoing usage. It also enhances the positive effects of perceived security and usefulness on satisfaction and continued use. Ultimately, users are likely to keep using these apps if they find them secure, useful, and satisfying.

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