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July 10, 2026African Journal of Economic and Management Studies

Resistance to the adoption of mobile banking services in Cameroonian microfinance institutions: an explanation using enactment theory

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Authors

MEMoyole Mireille ElodieKCKoko à Bidias Rigoberte Carine

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Overview

Qualitative study identifies barriers to mobile banking in microfinance institutions, suggesting implications for improved digital service adoption.

Key Points

  • The study aims to identify organizational barriers affecting the adoption of mobile banking services in Cameroonian MFIs.
  • Qualitative interpretivist approach using semi-structured interviews with 14 managers and senior staff from second-category MFIs in Yaoundé.
  • Data were analyzed through inductive thematic coding using NVivo 10.
  • Identified three main barriers: functional (costs and infrastructure constraints), psychological (fear of change and attachment to relational banking practices), and regulatory (licensing and authorization constraints).
  • Findings suggest that addressing these barriers can enhance marketing strategies and adoption of digital financial services in MFIs.

Cite This Study

Elodie et al. (2026) studied this question.

synapsesocial.com/papers/6a508ea56eeac72a437a169ahttps://doi.org/10.1108/ajems-09-2023-0331
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Determinants of Mobile Banking Services Adoption in the Fako Division of Cameroon2025
  2. 2Effects of institutional and technological factors on adoption of mobile banking by agri-entrepreneurs in Northern Uganda2026
  3. 3Mobile Banking Adoption among Senegalese Households: Barriers and Facilitators Framework2011
  4. 4Mobile Banking Adoption among Senegalese Households: Barriers and Facilitators Framework2011
  5. 5Mobile Banking and Financial Inclusion in Urban Cameroon: A Longitudinal Study2008