Does users’ perception matter in continuous intention to use Fintech technology and services in Kenya?

Data collection Data was collected in Nairobi county, Kasarani constituency from May 1st, 2019 to 1st June 2019. The main target group in the study were entrepreneurs who owned shops and market stalls. However, clients who were present at the shops or stalls during the interviews, were also given a chance to participate in the study. It is believed that persons with businesses would seize the opportunity to utilise the soft loans offered the various Fintech service providers in Kenya to expand their businesses. Equally, the age participation in the current study was 18 years and over. A total of 351 questionnaires were collected with the help of two research assistants who were standing by to answer any queries from the participants and thus there were no incomplete questionnaires. Nevertheless, 9 questionnaires were excluded from the study because they had unengaged responses. The final usable questionnaires were 342. Methodology The Extended Post-Acceptance model by Lim, Kim, Hur, and Park (2018) was tested using the data. Confirmatory factor analysis was performed using AMOS version 24. A 10,000 replication bootstraps was performed as one way of validating the multivariate model used in the current study. Equally, the bias -corrected confidence intervals was set at 95% confidence level. Results The finding on users’ knowledge of the services has a significant positive effect on perceived security (β =0.808, p <0.001) of short-term credit services offered by Fintech’s in Nairobi, supporting hypothesis H1. Perceived security has a significant and positive effect on confirmation (β =0.734, p <0.001) and perceived usefulness (β =0.852, p <0.001) of short-term credit services offered by Fintech’s thus supporting hypotheses H2a and H2b. Confirmation has no significant effect on perceived usefulness ((β =0.031, p = 0.786) thus rejecting hypothesis H3a. However, confirmation has a significant positive effect on satisfaction (β =0.533, p = 0.001), supporting hypothesis H3b. Perceived usefulness has a significant positive effect on satisfaction (β =0.332, p = 0.004), supporting hypothesis H4a. However, perceived usefulness has no significant effect on continuous intention to use Fintech services (β =0.003, p = 0.991), thus rejecting hypothesis H4b. User’s satisfaction has a positive effect on continuous intention to use Fintech services (β =0.593, p = 0.003). All the confidence levels where at 95%. Conclusion The study revealed that Kenyans will continue to use Fintech technologies and its credit services if they remain useful, secure, satisfactory and offer high expectation upon usage. Reference Lim, S. H., Kim, D. J., Hur, Y., & Park, K. (2018). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services. International Journal of Human–Computer Interaction, 1-13.

一、数据采集
本研究数据采集于2019年5月1日至2019年6月1日，采集地点为肯尼亚内罗毕县卡萨拉尼选区。本研究的核心目标群体为拥有店铺与集市摊位的创业者。但在访谈期间恰好在场的店铺或摊位顾客，也可参与本研究。研究认为，有经营活动的个体将把握机会，利用肯尼亚各类金融科技(Fintech)服务提供商提供的软贷款以拓展业务。此外，本研究的参与年龄门槛为18周岁及以上。本研究共回收问卷351份，调研过程由两名研究助理全程值守，为受访者解答各类疑问，因此无残缺问卷。但因9份问卷的回答无参与价值，最终将其剔除，最终可用问卷数量为342份。

二、研究方法
本研究采用Lim、Kim、Hur与Park（2018）提出的扩展后接受模型（Extended Post-Acceptance Model），以采集到的数据对其进行检验。本研究采用AMOS 24版本进行验证性因子分析。为验证本研究采用的多变量模型，本研究执行了10000次重复自助抽样（Bootstrap）。同时，偏差校正置信区间设置为95%置信水平。

三、研究结果
研究结果显示，用户对服务的认知程度对内罗毕地区金融科技(Fintech)机构提供的短期信贷服务的感知安全性具有显著正向影响（β=0.808，p<0.001），验证了假设H1。感知安全性对金融科技机构提供的短期信贷服务的感知确认度（β=0.734，p<0.001）与感知有用性（β=0.852，p<0.001）均具有显著正向影响，验证了假设H2a与H2b。感知确认度对感知有用性无显著影响（β=0.031，p=0.786），因此拒绝假设H3a。但感知确认度对满意度具有显著正向影响（β=0.533，p=0.001），验证了假设H3b。感知有用性对满意度具有显著正向影响（β=0.332，p=0.004），验证了假设H4a。但感知有用性对金融科技服务的持续使用意向无显著影响（β=0.003，p=0.991），因此拒绝假设H4b。用户满意度对金融科技服务的持续使用意向具有正向影响（β=0.593，p=0.003）。本研究所有置信水平均为95%。

四、研究结论
本研究表明，若肯尼亚民众使用金融科技技术及其信贷服务时仍能感受到有用性、安全性与满意度，且能获得较高使用预期，则他们将持续使用此类服务。

五、参考文献
Lim, S.H., Kim, D.J., Hur, Y. & Park, K. (2018). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services. International Journal of Human–Computer Interaction, 1-13.