Determinants of the Adoption of the Banking Agent Service by Micro-enterprises in Kinshasa: Empirical Evidence from the Lukunga District

Authors

  • Kisula I. Jacques Economist, currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa
  • Zahiga P. Jean-Baptiste Economist, Junior Researcher at CRESH; currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa
  • Ingama M. Emmanuel Economist, currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa
  • Basungani B. Zéphirin Economist, currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa
  • Kayinda E. Hugo Economist, currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa
  • Gbadi M. Emmanuel Economist, currently studying for a DEA at the National Pedagogical University (UPN), DRC – Kinshasa

DOI:

https://doi.org/10.63883/ijsrisjournal.v5i3.781

Abstract

This article on the determinants of the adoption of banking agent services by micro-enterprises in the Lukunga district of Kinshasa tested the hypothesis that the adoption of banking agent services is explained by perceived utility, enabling conditions, expected performance, perceived risk, social influence and the characteristics of the banking agent service. Univariate, bivariate and multivariate analyses confirmed this hypothesis. Thus, the adoption of banking agent services is influenced by individual, structural and contextual factors, enabling conditions, and the characteristics of the banking agent service.

Keywords: Banking agent, banking agent service, adoption of the banking agent service.

 

 

Received Date: April 21, 2026

Accepted Date: May 12, 2026

Published Date: June 01, 2026

Available Online at: https://www.ijsrisjournal.com/index.php/ojsfiles/article/view/781

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Published

2026-06-01

How to Cite

Kisula I. Jacques, Zahiga P. Jean-Baptiste, Ingama M. Emmanuel, Basungani B. Zéphirin, Kayinda E. Hugo, & Gbadi M. Emmanuel. (2026). Determinants of the Adoption of the Banking Agent Service by Micro-enterprises in Kinshasa: Empirical Evidence from the Lukunga District. International Journal of Scientific Research and Innovative Studies, 5(3), 460–473. https://doi.org/10.63883/ijsrisjournal.v5i3.781

Issue

Vol. 5 No. 3 (2026): Scientific Research and Innovative Studies

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Articles in IJSRIS Journal are published in open access under the Creative Commons Attribution License (CC BY) (https://creativecommons.org/share-your-work/cclicenses

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