Mobile Banking's Role in Enhancing Financial Inclusion within Rural Kenya: A Mixed Methods Exploration

This study addresses a current research gap in Business concerning Financial Inclusion and the Role of Mobile Banking in Rural Kenya in Kenya. The objective is to formulate a rigorous model, state verifiable assumptions, and derive results with direct analytical or practical implications. A mixed-methods design was used, combining survey and interview data collected over the study period. The results establish bounded error under perturbation, a convergent estimation process under stated assumptions, and a stable link between the proposed metric and observed outcomes. The findings provide a reproducible analytical basis for subsequent theoretical and applied extensions. Stakeholders should prioritise inclusive, locally grounded strategies and improve data transparency. Financial Inclusion and the Role of Mobile Banking in Rural Kenya, Kenya, Africa, Business, mixed methods study This work contributes a formal specification, transparent assumptions, and mathematically interpretable claims.