DETERMINANTS OF ADOPTION OF MICRO-SERVICES IN DIGITAL BANKING SOLUTIONS AMONG COMMERCIAL BANKS IN KENYA

Abstract: The main goal of this study was to assess the determinants of adoption of microservices architecture in digital banking solutions among commercial banks in Kenya. A descriptive research was employed. The study target population was 38 commercial banks licensed by the central Bank of Kenya as per 2023. The sample size for the study was 76 respondents selected through random sampling. The study adopted survey questionnaires to collect primary data, Google Surveys were used. Descriptive statistics as well as regression analysis were used to analyse the collected data. Findings were presented through descriptive statistics and ordinary least squares regression. The study established that benefits positively influence the perceived value of microservices architecture adoption. It also established that Sacrifices are not a hindrance to technology adoption where the technology offers greater value. The recommendation of the study was for more studies to be carried out more so from the end user perspective when implementing key financial software solutions. Users are the key stakeholders to any information technology solution hence, greater emphasis should be placed upon them. And for players within the industry to speed up the adoption process by regularly publishing comparative statistics with monolithic architectures to help other organizations to appreciate its benefits. More information will help address uncertainties particularly around technicalities of the architecture implementation. Keywords: Microservices Architecture, Digital Banking Solutions, Value Based Technology Adoption Model. Title: DETERMINANTS OF ADOPTION OF MICRO-SERVICES IN DIGITAL BANKING SOLUTIONS AMONG COMMERCIAL BANKS IN KENYA Author: Felix Kipyego, Dr. Wanjigu Nganga International Journal of Novel Research in Computer Science and Software Engineering ISSN 2394-7314 Vol. 10, Issue 2, May 2023 - August 2023 Page No: 44-54 Novelty Journals Website: www.noveltyjournals.com Published Date: 16-August-2023 DOI: https://doi.org/10.5281/zenodo.8252294 Paper Download Link (Source) https://www.noveltyjournals.com/upload/paper/DETERMINANTS%20OF%20ADOPTION-16082023-4.pdfInternational Journal of Novel Research in Computer Science and Software Engineering, ISSN 2394-7314, Novelty Journals, Website: www.noveltyjournals.co