Concept Paper Sample 1

Leveraging on Mobile Payment Methods to gain Competitive Advantage by
Local-based Businesses
Mobile payment methods have popularity with big businesses operating in
large towns and cities across the world. These payment methods enable the
business customers to access their cash at the point of sale and do not need to
have physical money to complete their transactions. This study will therefore help
in understanding the mobile payment methods preferences for the local based
business and how and why these preferences have failed to prevail. The research
will therefore address that gap that is viewed as the low uptake of mobile payment
methods by the local based businesses which are essentially operating in remote
areas. This concept builds upon the various insights that have been undertaken by
various researchers in the business and information technology field to bridge the
gap of strategic implantation of information technology systems in business to gain
competitive advantage.
It is estimated that more than 5 billion people have access to mobile phone
devices and that out of this figure about a third of the population is based in local
areas. Further, the village-based businesses do have immediately access to the
physical money banking system as they are located kilometers away. Porter (2011)
notes that in order for businesses to achieve and sustain superior performance,
they must be able to implement systems that competitively superior. Budree and
Williams (2013, September) and Namada (2018) established that the areas with
large number of low-income earners experienced low uptake technological
advancements and businesses in these locations are not keen on leveraging on
technology. The concept will therefore be intended to identify the salient factors
that local businesses can apply in leveraging on mobile payment methods to gain
competitive advantage.
Several studies have concluded that mobile payment methods are one of
the major factors put in place by businesses in gaining competitive advantage,
however this has also, not been achieved in remote areas. As result, Onyango et.
al. (2014) in their study on mobile phone technology and the evident performance
of micro and small enterprises, concludes that there is an impact on the use and
implementation of mobile phone technology to achieve the full business
performance. In order, therefore to achieve competitive advantage, Porter (2011)
advises that the strategy implemented should e geared towards achieving full
potential competitively.
Many scholars also agree that there is significant relationship between
mobile payment methods and gaining competitive advantage to sustain an
improved performance. Most also argue that the mobile payment method of use
will be dependent on the location and nature of need. The handbook by Namada
(2018) notes that the concept of organizational learning must be down-trotted to
the local businesses to learn which mobile technology suits their operations and
how this technology can be leveraged to achieve competitive advantage for local
based businesses. Most of the studies were focused on businesses and
companied in towns and cities with the area of interest majoring on performance
whether competitively or not. This study will therefore be focused on the factors of
consideration for leveraging on mobile payment methods to gain competitive
advantage by local based businesses.
The research paper seeks to achieve its general objective of leveraging on
mobile payment methods to gain competitive advantage by focusing on the
following specific objectives:
1. To determine the influence of perceived risks on the use of mobile payment
methods to gain competitive advantage by local based businesses.
2. To determine the influence of M-Payment characteristics (mobility,
reachability, convenience, and compatibility) on the use of mobile payment
methods to gain competitive advantage by local based businesses.
3. To assess the influence of personal innovativeness on use of mobile
payment methods to gain competitive advantage by local based
businesses.
Research questions and or Hypothesis:
1. Does perceived risks influence the use of mobile payment methods to gain
competitive advantage by local based businesses?

2. Does M-Payment characteristics (mobility, reachability, convenience, and
compatibility) influence the use of mobile payment methods to gain
competitive advantage by local based businesses?
3. Does personal innovativeness influence the use of mobile payment
methods to gain competitive advantage by local based businesses?
The study intends to use cross sectional survey design in determining the
leverage on mobile payment methods to gain competitive advantage by local
based businesses. The study will sample 478 local based businesses
registered in Kenya out of a population of 4 thousand which are mainly
registered and operated in village area settings. The study will collect both
primary and secondary data, and the quantitative data generated will be
analyzed using descriptive statistics which will include percentage distribution,
mean and the frequency counts. The qualitative data from the study will
undergo transcription and reported in themes and sub-themes. The relationship
between the independent and dependent variables will be explained through
multiple regression.
References
Budree, A., & Williams, K. H. (2013, September). Factors influencing the uptake
of mobile banking in developing countries: A case study of M-Pesa
in South Africa. In Proceedings of 22 nd International Business
Research Conference (pp. 9-10).
Namada, J. M. (2018). Organizational learning and competitive advantage. In

Handbook of Research on Knowledge Management for
Contemporary Business Environments (pp. 86-104). IGI
Global.
Onyango, R. A., Ongus, R. W., Awuor, F. M., & Nyamboga, C. (2014). Impact
of adoption and use of mobile phone technology on the
performance of micro and small enterprises in Kissii Municipality
Kenya. Worl Journal of Computer Application and technology, 2(2),
34-42.
Porter, M. E. (2011). Competitive advantage of nations: creating and sustaining

superior performance. Simon and Schuster.
Note: This is the work of Dr. Benard Lango

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Leveraging on Mobile Payment Methods to gain Competitive Advantage by

Mobile payment methods have popularity with big businesses operating in

gap of strategic implantation of information technology systems in business to gain

areas. Further, the village-based businesses do have immediately access to the

advancements and businesses in these locations are not keen on leveraging on

the major factors put in place by businesses in gaining competitive advantage,

implementation of mobile phone technology to achieve the full business

performance. In order, therefore to achieve competitive advantage, Porter (2011)

Many scholars also agree that there is significant relationship between

mobile payment methods and gaining competitive advantage to sustain an

(2018) notes that the concept of organizational learning must be down-trotted to

consideration for leveraging on mobile payment methods to gain competitive

advantage by local based businesses.

The research paper seeks to achieve its general objective of leveraging on

mobile payment methods to gain competitive advantage by focusing on the

following specific objectives:

1. To determine the influence of perceived risks on the use of mobile payment

methods to gain competitive advantage by local based businesses.

2. To determine the influence of M-Payment characteristics (mobility,

reachability, convenience, and compatibility) on the use of mobile payment

methods to gain competitive advantage by local based businesses.

3. To assess the influence of personal innovativeness on use of mobile

payment methods to gain competitive advantage by local based

Research questions and or Hypothesis:

competitive advantage by local based businesses?

compatibility) influence the use of mobile payment methods to gain

competitive advantage by local based businesses?

3. Does personal innovativeness influence the use of mobile payment

methods to gain competitive advantage by local based businesses?

leverage on mobile payment methods to gain competitive advantage by local

registered in Kenya out of a population of 4 thousand which are mainly

analyzed using descriptive statistics which will include percentage distribution,

undergo transcription and reported in themes and sub-themes. The relationship

between the independent and dependent variables will be explained through

Namada, J. M. (2018). Organizational learning and competitive advantage. In

Porter, M. E. (2011). Competitive advantage of nations: creating and sustaining

Note: This is the work of Dr. Benard Lango

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