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Rodrigue Kalumendo

Ucn, Management of Information Systems, Post-Doc

Texila American University, School of Business Management, Graduate Student

Adventist University of Lukanga, Informatique, Faculty Member

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Rodrigue Kalumendo is a doctoral researcher in
information system management (Business
Informatics) and is writing his doctoral dissertation on
the adoption of information systems in Congolese
companies. He is also a lecturer of information
systems related subjects, databases and web
technologies. Since 2018 he has supervised more than
15 bachelor's and master's studies in management
information systems and financial management. His
research focuses on business information
systems,10T,Fin-tech, cloud computing,...
Phone: 09 94 88 95 70

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University of Lubumbashi

Hervé Simplice MIAFO

Université de Douala

FSEG Sfax

Mohamed Saadeddine

ENCG

Mounir Ben Sassi

ISG-Tunis

Hassan II Casablanca

Emmanuel NGANDO

Institut Catholique de Paris

Université de Lomé

Armando Marques-Guedes

UNL - New University of Lisbon

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Papers by Rodrigue Kalumendo

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

by Georges Kisumano and Rodrigue Kalumendo

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies. Keywords: Continuous usage, DRC, M-Banking, Performance, Perceived cost, Perceived...

An Integrative Literature Review on Technology Adoption by African SMEs

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed.

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies. Keywords: Continuous usage, DRC, M-Banking, Performance, Perceived cost, Perceived...

An Integrative Literature Review on Technology Adoption by African SMEs

TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed. Keywords: Technology, Adoption, Barriers, SMEs.

An Integrative Literature Review on Technology Adoption by African SMEs

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2023

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed.

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Management, 2023

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies.

Predictive Factors of IT Systems Adoption by SME Employees in Developing Countries: Evidence from SME Employees in North Kivu, DRC

Texila International Journal of Academic Research

This research aimed to identify the determinants of technology usage among SME employees in the N... more This research aimed to identify the determinants of technology usage among SME employees in the North Kivu Province of the Democratic Republic of Congo. We based our model on the Technology Acceptance Model. In addition to perceived usefulness and ease of use, the proposed model includes relative advantage as a predictor of technology usage. This study used the PLS-SEM method to test the proposed hypotheses from 247 responses. The results confirmed the hypotheses. The research findings demonstrate a positive relationship between perceived usefulness and use, perceived ease of use and use, and relative advantages and use of new technologies. Congolese SME managers can rely on these findings to highlight these key determinants in promoting technology usage among SMEs in a country where technology usage by businesses remains low. Keywords: Perceived ease of use, Perceived usefulness, Relative advantages, SI adoption, Technology.

Predictive Factors of IT Systems Adoption by SME Employees in Developing Countries: Evidence from SME Employees in North Kivu, DRC

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2022

This research aimed to identify the determinants of technology usage among SME employees in the N... more This research aimed to identify the determinants of technology usage among SME employees in the North Kivu Province of the Democratic Republic of Congo. We based our model on the Technology Acceptance Model. In addition to perceived usefulness and ease of use, the proposed model includes relative advantage as a predictor of technology usage. This study used the PLS-SEM method to test the proposed hypotheses from 247 responses. The results confirmed the hypotheses. The research findings demonstrate a positive relationship between perceived usefulness and use, perceived ease of use and use, and relative advantages and use of new technologies. Congolese SME managers can rely on these findings to highlight these key determinants in promoting technology usage among SMEs in a country where technology usage by businesses remains low.

Barriers to SME Computerization in Developing Countries: Evidence from SMEs in North Kivu, Democratic Republic of Congo

Texila International Journal of Management

SMEs are widely recognized as the development enablers in developing countries. They contribute t... more SMEs are widely recognized as the development enablers in developing countries. They contribute to job creation and, in so doing, to poverty reduction. To remain competitive, SMEs use several tools, including computerized information systems. However, given their characteristics, several constraints hinder their computerization; these constraints are even more accentuated in developing countries. This study attempted to identify the barriers to computerization as outlined in the literature and to ascertain them in the DRC context. In order to achieve this, we examined the relevant literature and carried out a survey of 53 respondents, principally local ICT stakeholders. Using descriptive statistics, we established that Congolese SMEs face the same computerization challenges identified in the literature. These constraints include the local SME characteristics - poor financial resources, low internal and external expertise, and low management involvement -, high infrastructure costs -...

The Benefits of Technological Developments on Businesses: A Survey Conducted among SMEs in Beni, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2022

New technologies are considerably influencing companies for information system implementation eve... more New technologies are considerably influencing companies for information system implementation every year. This trend has led many people, including business managers and researchers, to question the benefits of technology to business. While Small Medium Enterprises (SMEs) in developing countries, particularly those in the Democratic Republic of Congo (DRC), are gradually digitalizing their information systems, To our knowledge, very few studies to analyze the benefits of technologies on DRC SMEs have been conducted. This study, therefore, sought to place itself in the Congolese context to find out about the benefits of digitalized information system. 119 SMEs that have been using information system technologies for at least two years were selected for data collection. Descriptive statistics and Pearson’s correlation were used for the data analysis. The findings from the study show that SMEs derive certain benefits from the use of technology and have improved organizational system performance that including an increase in profit, optimized time management, reduced paperwork, improved information quality, and improved financial reporting quality. The results also reveal that the more a company invests in technology, the more benefits it receives.

Barriers to SME Computerization in Developing Countries: Evidence from SMEs in North Kivu, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Management, 2022

SMEs are widely recognized as the development enablers in developing countries. They contribute t... more SMEs are widely recognized as the development enablers in developing countries. They contribute to job creation and, in so doing, to poverty reduction. To remain competitive, SMEs use several tools, including computerized information systems. However, given their characteristics, several constraints hinder their computerization; these constraints are even more accentuated in developing countries. This study attempted to identify the barriers to computerization as outlined in the literature and to ascertain them in the DRC context. In order to achieve this, we examined the relevant literature and carried out a survey of 53 respondents, principally local ICT stakeholders. Using descriptive statistics, we established that Congolese SMEs face the same computerization challenges identified in the literature. These constraints include the local SME characteristics-poor financial resources, low internal and external expertise, and low management involvement-, high infrastructure costs-expensive software and hardware-and the availability of the technological infrastructure-poor internet access-. The Congolese digital ecosystem stakeholders can, each at their own level, use these results to assist the digitalization of Congolese SMEs and thus make them more agile in the achievement of their goals.

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

by Georges Kisumano and Rodrigue Kalumendo

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies. Keywords: Continuous usage, DRC, M-Banking, Performance, Perceived cost, Perceived...

An Integrative Literature Review on Technology Adoption by African SMEs

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed.

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies. Keywords: Continuous usage, DRC, M-Banking, Performance, Perceived cost, Perceived...

An Integrative Literature Review on Technology Adoption by African SMEs

TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed. Keywords: Technology, Adoption, Barriers, SMEs.

An Integrative Literature Review on Technology Adoption by African SMEs

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2023

This literature review analyzes the drivers and barriers to technology adoption by African small ... more This literature review analyzes the drivers and barriers to technology adoption by African small and medium enterprises. To achieve this, previous literature on the subject was examined. The paper critically evaluates prior research on the topic and identifies gaps in the existing literature. The integrative approach was used in this literature review. The adoption factors and barriers to technology by African small and medium enterprises were synthesized by analyzing the different documents. Finally, new research directions were proposed.

Factors Influencing the Continuous Usage of Mobile Banking Services in Butembo, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Management, 2023

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, pa... more The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies.

Predictive Factors of IT Systems Adoption by SME Employees in Developing Countries: Evidence from SME Employees in North Kivu, DRC

Texila International Journal of Academic Research

This research aimed to identify the determinants of technology usage among SME employees in the N... more This research aimed to identify the determinants of technology usage among SME employees in the North Kivu Province of the Democratic Republic of Congo. We based our model on the Technology Acceptance Model. In addition to perceived usefulness and ease of use, the proposed model includes relative advantage as a predictor of technology usage. This study used the PLS-SEM method to test the proposed hypotheses from 247 responses. The results confirmed the hypotheses. The research findings demonstrate a positive relationship between perceived usefulness and use, perceived ease of use and use, and relative advantages and use of new technologies. Congolese SME managers can rely on these findings to highlight these key determinants in promoting technology usage among SMEs in a country where technology usage by businesses remains low. Keywords: Perceived ease of use, Perceived usefulness, Relative advantages, SI adoption, Technology.

Predictive Factors of IT Systems Adoption by SME Employees in Developing Countries: Evidence from SME Employees in North Kivu, DRC

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2022

This research aimed to identify the determinants of technology usage among SME employees in the N... more This research aimed to identify the determinants of technology usage among SME employees in the North Kivu Province of the Democratic Republic of Congo. We based our model on the Technology Acceptance Model. In addition to perceived usefulness and ease of use, the proposed model includes relative advantage as a predictor of technology usage. This study used the PLS-SEM method to test the proposed hypotheses from 247 responses. The results confirmed the hypotheses. The research findings demonstrate a positive relationship between perceived usefulness and use, perceived ease of use and use, and relative advantages and use of new technologies. Congolese SME managers can rely on these findings to highlight these key determinants in promoting technology usage among SMEs in a country where technology usage by businesses remains low.

Barriers to SME Computerization in Developing Countries: Evidence from SMEs in North Kivu, Democratic Republic of Congo

Texila International Journal of Management

SMEs are widely recognized as the development enablers in developing countries. They contribute t... more SMEs are widely recognized as the development enablers in developing countries. They contribute to job creation and, in so doing, to poverty reduction. To remain competitive, SMEs use several tools, including computerized information systems. However, given their characteristics, several constraints hinder their computerization; these constraints are even more accentuated in developing countries. This study attempted to identify the barriers to computerization as outlined in the literature and to ascertain them in the DRC context. In order to achieve this, we examined the relevant literature and carried out a survey of 53 respondents, principally local ICT stakeholders. Using descriptive statistics, we established that Congolese SMEs face the same computerization challenges identified in the literature. These constraints include the local SME characteristics - poor financial resources, low internal and external expertise, and low management involvement -, high infrastructure costs -...

The Benefits of Technological Developments on Businesses: A Survey Conducted among SMEs in Beni, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Academic Research, 2022

New technologies are considerably influencing companies for information system implementation eve... more New technologies are considerably influencing companies for information system implementation every year. This trend has led many people, including business managers and researchers, to question the benefits of technology to business. While Small Medium Enterprises (SMEs) in developing countries, particularly those in the Democratic Republic of Congo (DRC), are gradually digitalizing their information systems, To our knowledge, very few studies to analyze the benefits of technologies on DRC SMEs have been conducted. This study, therefore, sought to place itself in the Congolese context to find out about the benefits of digitalized information system. 119 SMEs that have been using information system technologies for at least two years were selected for data collection. Descriptive statistics and Pearson’s correlation were used for the data analysis. The findings from the study show that SMEs derive certain benefits from the use of technology and have improved organizational system performance that including an increase in profit, optimized time management, reduced paperwork, improved information quality, and improved financial reporting quality. The results also reveal that the more a company invests in technology, the more benefits it receives.

Barriers to SME Computerization in Developing Countries: Evidence from SMEs in North Kivu, Democratic Republic of Congo

by Texila International Journal and Rodrigue Kalumendo

Texila International Journal of Management, 2022

SMEs are widely recognized as the development enablers in developing countries. They contribute t... more SMEs are widely recognized as the development enablers in developing countries. They contribute to job creation and, in so doing, to poverty reduction. To remain competitive, SMEs use several tools, including computerized information systems. However, given their characteristics, several constraints hinder their computerization; these constraints are even more accentuated in developing countries. This study attempted to identify the barriers to computerization as outlined in the literature and to ascertain them in the DRC context. In order to achieve this, we examined the relevant literature and carried out a survey of 53 respondents, principally local ICT stakeholders. Using descriptive statistics, we established that Congolese SMEs face the same computerization challenges identified in the literature. These constraints include the local SME characteristics-poor financial resources, low internal and external expertise, and low management involvement-, high infrastructure costs-expensive software and hardware-and the availability of the technological infrastructure-poor internet access-. The Congolese digital ecosystem stakeholders can, each at their own level, use these results to assist the digitalization of Congolese SMEs and thus make them more agile in the achievement of their goals.