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study focuses on adoption of mobile payment on business in Kenya. We employ Technology, Organization and Environment (TOE) to identify factors that motivate SME to adopt mobile payment methods in their businesses. To achieve this, we performed a cross-sectional survey and sampled 317 SMEs from three strata; hotels and restaurants, tours and travel and supermarkets. Structured Equation Model (SEM) analysis reveals a significant relationship between all indicators and latent variables; Technology, Organization and Environment. Based on these results, we then present a validated framework for the adoption of Mobile Payment platforms in SMEs.

Adoption of Mobile Payments in Kenyan Businesses: A case study of Small and Medium Enterprises (SME) in Kenya