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September 18, 2025The University Journal

Effect of Credit Risk on Third-party Payment Processing among Retailers in Nairobi County, Kenya

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Authors

HMHellen M MungutiSOSelefano Odoyo

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Overview

Descriptive cross-sectional study reveals credit risk significantly affects payment processing in retailers, suggesting enhanced risk management practices are needed.

Key Points

  • Credit risk positively influences third-party payment processing among retailers in Nairobi County, Kenya.
  • Analysis showed that default risk averaged 3.90, indicating a crucial vulnerability in payment processing.
  • Regression analysis confirmed a strong positive relationship between credit risk and payment processing outcomes.
  • Retailers should focus on implementing effective credit scoring models and sound underwriting practices to mitigate risks.

Cite This Study

Munguti et al. (2025) studied this question.

synapsesocial.com/papers/68d461c231b076d99fa60edfhttps://doi.org/10.59952/tuj.v7i2.416
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