CHALLENGES FACING PERFORMANCE OF E-PAYMENT SYSTEMS IN GOVERNMENT MINISTRIES IN KENYA; A CASE OF MINISTRY OF ENERGY AND (PETROLEUM (MOEP)
Abstract
An E-payment system in the government ministries has created a wide array of benefits and challenges. An E-payment system encourages privacy, integrity, efficiency, acceptability and convenience. However, e –payment system remain unnoticed by the customers and certainly under used albeit their availability. The systems are either slow or at times not operational at all.
The general objective of this study was to establish the challenges facing performance of the E-payment system in government ministries in Kenya, a case of MOEP. The research questions were constructed from the specific objectives. The study used descriptive research design. The study used stratified sampling, purposive sampling and random sampling. Stratified sampling was used to identify the study units.The study concluded that the challenges facing performance of the E-payment system in government ministries in Kenya, a case of MOEP include; Lack of adequate and reliable infrastructure, inadequate skills due to low levels of computer literacy. Breakdowns and unprecedented delays, bureaucracies with respect to specimen signatures and authentication, Lack of legal and institutional frameworks in governments on E-payment s, Integration issues, Lack of knowledge and awareness son E-payments, Lack of trust in electronic payments. The study recommended that the challenges facing performance of E-payment system in government ministries as is the case of MOEP should be addressed by Guarantee a reasonable minimum level of security on the network. Security and privacy dimensions perceived by consumers as well as sellers. Introduce and maintain real-time processing and a combination of features, including integrated systems and gateways, address liquidity issues and minimize delays, while preserving online transaction integrity. Implementation of strong access control measures, regularly monitor and test networks and maintain an information security policy. Continuous training of all employees/users at all levels and enhancement of ICT manuals. The study suggested that there was need for further research on issues of diversity of Information Technology (IT) and training on E-payment usage at all levels in government ministries.
Key Words: Performance, E-payments, Usage of E-payment, Costs, Security, Trust.
Full Text:
PDFReferences
Abor, J.A. (2005), “Technological Innovations and Banking in Ghana: An Evaluation of Customers’ Perceptions”.University of Ghana, Legon.
Aduda, J.,&Kigoo, N(2012): The relationship between electronic Banking and financial Performance among Commercial Banks in Kenya, Journal of Finance and Investment analysis , 1(3),99-118.
Abrazhevich D. (2004) Electronic Payment Systems: a User-Centered Perspective and Interaction Design
Agarwal, Ritu, and Jayesh Prasad (1998), "A Conceptual and Operational Definition of Personal Innovativeness in the Domain of Information Technology", Information Systems
Agboola, A. A. (2001) “Impact of Electronic Banking on Customer Services in Lagos, Nigeria” in Ife Journal of Economics and Finance. Department of Economics, O.A.U,
Akintoye, k.A.&Araoye, O.I. (2011, July): Combating E-fraud on Electronic Payment System. International Journal of Computer Applications, 25(8), 48-53
Armstrong, M., (2010).Hand Book of Human Resource Management Practice. London: Kogen Page.[2] Bank,W3rd
Bitpipe. (2006). IT information: white papers, product literate, web casts, and cases studies:
Bizina, E. (2012, February 19). Payment Systems for eCommerce Websites: Which One to Choose?
Boyd, Caroline and Katy Jacob. 2007. Mobile financial services for the underbanked: opportunities for mbanking and mpayments. Chicago: Center for Financial Services Innovation.
Babbie,E.(2004): The practice of social research (10th Ed). Thomson Belmont CA:Wadsworth Publishing Company.
Bradley, L. and Stewart, K. (2003).The diffusion of online banking. J. Mark. Manage. 108719(10):1109
Casu, B. et al. (2006). Introduction to Banking. Pearson Education Limited, England Page 361.
Chan, H., Lee, R., Dillon, T., & Chang, E.(2001): E-commerce: Fundumentals and Applications. Chichester: John Wiley& Sons.
Chandran, E.(2004): Research Methods. Nairobi: Starbright services Ltd Chou, D. and Chou, A.Y. (2000), “A Guide to the Internet Revolution in Banking” Information Systems Management, 17(2), 51-57.
Chaffey, D. (1998) Groupware, Workflow and Intranets – Re-engineering the Enterprise with Collaborative Software. Digital Press, Woburn, MA.
Chaffey, D. and Wood, S. (2005) Business Information Management. Improving Performance using Information Systems, Financial Times Prentice Hall, Harlow.
Chaffey, D., Mayer, R., Johnston, K. and Ellis-Chadwick, F. (2009) Internet Marketing: Strategy, Implementation and Practice, 3rd edn. Financial Times Prentice Hall, Harlow.
Chatterjee, S. (2015)."Teleological Dynamics of Organizational Performance: From Process to Practice and performance," MPRA Paper 68530, University Library of Munich, Germany.
Cooper, D. R., & Schindler, P. S. (2006). Business Research Methods (9th ed.). New Delhi: Tata McGraw Hill Education.
Creswel, John W.( 2009.) Research Design: Qualitative, Quantitative, and Mixed Methods Approaches.3rd Edition. Los Angeles: Sage Publications, Inc.,
Deepti, K. C., &Tiwari, M. (2013). Understanding the movement of cash of the privately led enterprises in Dharavi and scope for electronic or mobile payments. IFMR Lead Project.
Deitel, P. J., &Deitel, H. M. (2009). Java: How to Program (7 ed.). New Jersey: Prentice Hall.
Đurić, Z., Marić, O., &Gašević, D. (2007). Internet Payment System: A New Payment System for Internet Transactions. Journal of Universal Computer Science, 13(4), 479-503.
Dahlberg, T., Mallat, N., Ondrus, J.,&zmijewska, A.(2007): Past, Present and Future of Mobile Payments Research: a Literature Review . Electronic Commerce Research and Applications, 1-17.
Eshun F. A. (2009). Title The role Telecommunication on banking services in Ghana //publications.theseus.fi/bitstream/handle/10024/4513/Abeku_Edited_Thesis.pdf?sequence
Federal Trade Commission – FTC (2006), “Electronic Banking Basics”. Federal Trade Commission for the Consumer.
Feinstein, (2013)."Unleashing Creative Development," Kindai Management Review Inaugural issue, pp. 132-42.
Fazlollahi, B (2002) Strategies for e commerce success Covent Garden, UK:IPM.
Feintein, E. (2013, September 10). E-Commernce booming in Kenya.
Flavian, E. Torres, M. Guinalíu (2004). Corporate Image measurement A further problem for the tangibilization of Internet banking services, International Journal of Bank Marketing Vol. 22, No. 5 pp. 366-384.
Gal, M.S.(2003): Competition policy for Small Market Economies ,Massachusetts: Harvard University Press.
Gensler, Laureen.( April 2013): You (probly) won’t pay more to swipe , money magazine. In: African urban quarterly, ( 7) 1-2.
Graham, John R., (1996) Debt and the Marginal Tax Rate, Journal of Financial Economics 41, 41-73.
Gefen, D., E. Karahanna and D.W. Straub, “Trust and TAM in Online Shopping: An Integrated Model”, MIS Quarterly, Vol. 7, No. 1: 51-90, 2003.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
Harris,H.,Guru, B.k.,&Avvaqri, M.V.(2011, December): Evidence of Firms Perception Towards Electronic Payment System in Malaysia. International Journal of Business and Information,6(2),226-245.
HeikkiKarjaluoto, MattilaMinna, PentoTapio (2002). "Factors underlying attitude formation towards online Ranking in Finland", Int. J. Bank Managt., 20 (6): 261-272.
Hitt, L. M. Frei, F. X. (2002). Do Better Customers Utilize Electronic Distribution Channels? The Case of PC Banking, Management Science, Vol. 48, No. 6 pp. 732–748.
Ho, S.J. and Mallick, S.K. (2006) The Impact of Information Technology on the Banking Industry: Theory and Empirics (http://www.standardmedia.co.ke2016)Fresh details on Waiguru's link in NYS scam, February 16th 2016
Hoffman, D. L., Novak, T. P., & Peralta, M. (1999). Building Consumer‘s Trust Online. Communication of the ACM, 42(4), 80-85.
Huang, P., &Sycara, K. (2002).A computational model for online agent negotiation. System Sciences Proceedings of the 35th Hawaii International Conference, Hawaii.
Huang, S., & Lin, F. (2007). The design and evaluation of an intelligent sales agent for online persuasion and negotiation. Electronic Commerce Research and Applications, 6(3), 285-296.
Ige, O. (1995). Information Technology in a De-regulated Telecommunication Environment. Keynote address, INFOTECH 95, First International Conference on Information
Ingenico.(2012): Electronic Payment Architecture and Terends in Europe. Koln: Ingenico Corporate Communication.
Jacques D. &Hoefel S. (2013) Electronic Billing & Payment: Improving Operational Efficiencies in the Workers’ Comp Industry
Kenya Vision 2030 and the Second Medium Plan 2013-2017. Ministry of Energy And Petroleum Strategic Plan
Kilonzo, K.D.(2007): An Analysis of the Legal Challenges Posed by Electronic Banking. Kenya Law Review ,1,323-341
Kombo, K.D., &Tromp, A.L.D(2006): Thesis Writing. An Introduction . Nairobi; Pauline Publication.
Kothari, C. R., & 2rd. (2004).Research Methodology. New Delhi: New Age International Publishers
Krueger, M. (2009), Pricing of Payments, ROME Discussion Paper Series No. 09-08, October.
Laudon, C. Kenneth and Traver, Carol (2002), E-Commerce, New Delhi: Pearson Education
Leong E. K.F. Leong, Ewing M. T., Pitt L. F (2003) Australian marketing managers‘perceptions of the Internet: A quasi-longitudinal perspective, European Journal of Marketing 37(3/4), 554–571.
Michaels, L. H. (2008). GSMA Development Fund Top 20: Research on the Social and Economic Impact of Mobile Communications in Developing countries. New York: United State Agencies.
Magutu, P. O., Mwangi, M., Nyaoga, R. B., Monchari, O. G., Kagu, M., Mutai, K., et al. (2011). E-Commerce Products and Services in the Banking Industry: The Adoption and Usage in Commercial Banks in Kenya. Journal of Electronic Banking Systems, 1-19.
Mensah, E. C., &Dzokoto, V. (2011). Post redenomination and money management among Ghana’s urban poor. Technical Report. Institute for Money, Technology, & Financial Inclusion (IMTFI). Irvine: University of California.
Miyazaki, A.D. and Fernandez, A. (2001) Consumer Perceptions of Privacy and Security Risks for Online Shopping, The Journal of Consumer Affairs, 35, 27-44.
Mohammed Sadique Khan, SibaSankarMahapatra and Sreekumar(2009). Service Quality Evaluation in Internet Banking: An Empirical Study in India, Int. J. Indian Culture and Business Management, 2(1)
Mualuko, Nidiku, J., Mukasa. Simlyu A. & Judy, Achoka, S.K. (2009). Improving Decision– Making in School through Teachers’ Participation: MasindeMuliro University of Science and Technology, Kenya.
Mugo, H. W., Wanjau, K. & Ayodi E.M. M. (2012). An investigation into competitive intelligence practices and their effect on profitability of firms in the banking industry: A Case study of Equity Bank, International Journal of Business and Public Management, 2 (2), 61-71.
Markus.H. Leanne (2004); Performance management .Problems and potential.
Martin, R.L.(2011): The innovation catalysts. Harvard business review, june, 82-87.
Mas, I. (2013, 10 21). Founding Myths of Mobole Money . Retrieved December 19, 2013, from IMTFI.
Mc Donald, S., Oates, Young, W.& Hwang , K. ( 2006): Toward sustainable consumption : Researching voluntary simplifiers. Psychology and marketing, 23(6)515-534.
Mehlinger, H.D. (1995): School reform in the information age. Bloomington, IN: Center for Educational Excellence at Indian University.
Mugenda, M. (2003): Research methods Quantitative and Qualitative Approaches, 2nded Nairobi.
Ngechu.M(2004): Understanding the research process and methods. An introduction Starbright Service, Nairobi.
Nissenbaum, H.,(2004) “Will Security Enhance Trust Online or Support It?” in P.Kramer and K. Cook (eds) Trust and Distrust Within Organizations: Emerging Perspectives, Enduring Questions, Russell Sage Publications, 155- 188
Okoth .P.G(2012 ) ; Research Methodology, MasindeMuliro University Of Science And Technology Mmust Printers
Ozkan S. (2010). Facilitating the adoption of e-payment systems: theoretical constructs and empirical analysis, Journal of enterprise information management, 23(3), 305- 325.
Panurach, P. (1996) Money in electronic commerce: Digital cash, electronic fund transfer and Ecash‘, Communications of the ACM, 39(6), 45–50
Pattnaik, S., Ghosh, P. P., &Bharti, A. K. (2010). The Working Model of an E-paymeent System. Journal of Theoretical and Applied Information Technology, 10-13.
Patton, M. Q. (1980). Evaluation designs [excerpt: Sampling strategies]. In Qualitative evaluation methods (1st ed., pp. 98-108). Beverly Hills, CA: Sage.
Patton, M. Q. (1990). Designing qualitative studies [excerpt: Purposeful sampling]. In Qualitative research and evaluation methods (2nd ed., pp. 169-186
Patton, M. Q. (2002). Designing qualitative studies [excerpt: Purposeful sampling]. In Qualitative research and evaluation methods (3rd ed., pp. 230-247). Thousand Oaks, CA: Sage. Patton, M. Q. (2015). Qualitative research & evaluation
Rogers, E..(1995): Diffusion of Innovations (4th edition).New York: The free press.
Saxena A. (2014): Electronic Payment Systems
Stuart, M. C. (2011). Cash in , Cash out Kenya ; the Role of M PESA in the Lives of Low –income people. . College Park: College Park ; The IRIS Center Financial Sector Assessment Project .
Sumunjeet, S.(2009): Emergence of Payment Systems in the age of electronic Commerce : The State of Art. Global Journal of International Business Research,2(2),17-36.
Schneider, G. and Winters, J. (1998) Applying Use Cases. A Practical Guide. Addison-Wesley, Reading, MA.
Seitz, F. (2007), A Simple Way to Capture Transaction Balances, Economics Letters 95, pp. 230-233.
Tsiakis, T., Sthephanides, G. (2005) The concept of security and trust in electronic payments, Computers & Security, 24 (1), 10-15
UNCTAD.(2011). ICTs as an Enabler for Private Sector Development. United Nations Conference on Trade and Development. New York: United Nations.
UNCTAD.(2005): Information Economy Report 2005.new Yoerk: United nations.
Venkatesh, V.,Morris, d.(2003): User acceptance of information technology :towards a Unified view ,MIS Quarterly 27(3).
ViswanathVenkatsh, J. Y. (2011). Consumer Acceptance and Use of Information Technolgy ; Extending The Unified Theory of Acceptance and use of Technology. Hong Kong: Department of Management and Marketing.
Wanjau Kenneth, R. M. (2012). ‘Factors affecting adoption of electronic commerce among small medium enterprises in Kenya: Survey of tour and travel firms in Nairobi’, International Journal of Business, Humanities and Technology 2(4): 76-91.
World payments report (2012): The state and evolution of global non-cash payments.ww.wpr12.com
Zwass, V. (2003, Spring 2003). Electronic Commerce and Organizational Innovation: Aspects and Opportunities. International Journal of Electronic Commerce, 7(3), 7-37.
Zhu, D.(2002): Security Control in inter-Bank Fund Transfer. Journal of Electronic Commerce Research, 3(1), 15-22
Zimmerman J. &Bohling K. (2014) E-payment s in Low-Income Settings: Cutting-Edge or High Risk.
DOI: http://dx.doi.org/10.61426/sjbcm.v3i4.365
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution 3.0 License.
PAST ISSUES:
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.