A Study On The Impact Of Agency Banking In Busia

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income country in the next 20 years.

Lack of access to financial services is more widespread amongst lower income and rural households and small-scale enterprises. This means that the problem has impacted directly on the livelihoods of poorer people, hence negatively affecting overall economic growth in the country

Micro-business enterprises in the developing world are increasingly deploying the use of agency services to enhance the quality of their services and increase growth. The pace of transformation in the micro business sector has speeded up with more micro businesses realizing the potential of using the agency banking in their service delivery. However, there are only a handful of studies on the application of digital technology for success and growth on micro business.

This paper aims to investigate the impact of agency banking in Busia. The study is based on a survey conducted through administration of questionnaires. The data was collected from152 persons a ...

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to use the findings and carry out further research.

* THEORETICAL BACKGROUND AND RESEARCH HYPOTHESIS

Banking Agency procedures are essentially Information Technology (IT) procedures and channels through which users make various payment transactions. The acceptance to use the Agency Banking varies with the context in which users are able to use a mobile payment procedure. Moreover, Agency Banking procedures are functional services adopted for utilitarian reasons. This study focuses on the factors influencing Agency Banking and the Impact among the residents of Busia Town.

TAM is a theoretical model that explains how users come to accept and use a technology (Davis, 1989). The ...

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