Fintech Adoption and Credit Access of Micro, Small, Medium Enterprises in Nairobi City County, Kenya

Fandja Oya Isha Terry, Charles Katua Kithandi and Molson Onchomba
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Fandja Oya Isha Terry: School of Business and Economics, Daystar University, Kenya
Charles Katua Kithandi: Daystar University, Kenya
Molson Onchomba: School of Business and Economics, Daystar University, Kenya

East African Finance Journal, 2025, vol. 4, issue 4

Abstract: Access to credit remains a major constraint for MSMEs in Nairobi City County. This study examined the influence of FinTech adoption on credit access, focusing on mobile lending, digital banking, and web-based platforms, and assessed the moderating role of regulatory frameworks. Anchored on Disruptive Innovation Theory, data were collected using structured questionnaires and analyzed using descriptive and inferential statistics with SPSS. Regression results showed that mobile lending, digital banking, and web-based platforms positively and significantly influence credit access. Regulatory frameworks also significantly moderated the relationship by boosting confidence and reducing risks associated with digital credit services. The study recommends strengthening oversight, improving cybersecurity, and promoting digital literacy to maximize FinTech benefits for credit access.

Keywords: Fintech; Fintech Adoption; Credit Access; Mobile Lending; Digital Banking; Web-Based Platforms (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:cwk:eafjke:2025-34

DOI: 10.59413/eafj/v4.i4.5

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