Browsing by Author "Musau, Nelly Nthenya"

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    Gen Z Technological Adeptness Revolution: Social Inclusion and the Future of Entrepreneurial Ecosystem in Kenya
    (International Journal of Economics, Commerce and Management (IJECM), 2025-09) Musau, Nelly Nthenya; Muathe, Stephen Makau
    The technological proficiency of Generation Z (Gen Z) is rapidly transforming entrepreneurship, presenting both exceptional opportunities and emerging risks. This change occurs in a context of structural inequalities, digital divides, and socio-economic instability. While Gen Z’s skill with digital tools promotes innovation in business, it also creates vulnerabilities such as political unrest, investor uncertainty, and disruptions in business operations. This study examined how Gen Z’s digital skills affect the entrepreneurial ecosystem in Kenya, guided by three objectives: to evaluate the contribution of the Gen Z-led revolution towards social inclusion among marginalised groups, including youth, women, and persons with disabilities; to examine the role of digital proficiency in fostering this revolution; and to assess its implications for the entrepreneurial environment. The study adopted a systematic desktop review methodology. Secondary data were sourced from scholarly databases, government reports and credible internet resources. The study found that while Gen Z’s digital competencies create new income opportunities and expand market access, ongoing inequalities, biases in algorithms, and issues with rural internet access limit fair participation. The mixed nature of Gen Z’s technological revolution is evident; it opens economic opportunities but also increases instability. The study recommends the enactment of inclusive digital policies to tap into Gen Z’s potential and build a sustainable, strong entrepreneurial ecosystem.
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    Service Automation, Data Analytics and Digital Payment Solutions: The Future of Competitive Advantage of Commercial Banks in Kenya
    (European Journal of Business and Management, 2025-07) Musau, Nelly Nthenya; Muathe, Stephen Makau
    In an era of rapidly evolving technologies, the banking industry in Kenya must adopt digital transformation to enhance competitiveness and improve customer experience. This study examined the effect of digital transformation strategies on the competitive advantage of commercial banks in Nairobi City County, Kenya, with a focus on three key dimensions: service automation, data analytics, and digital payment solutions. Theoretically, grounded in the Generic Competitive Strategies Framework, the Resource-Based View, the Dynamic Capabilities theory, the Technology Acceptance Model and the Diffusion of Innovation theory, the study employed a descriptive research design targeting 412 functional heads across 39 commercial banks stratified by size. A multi-stage sampling approach that combined proportionate stratified and simple random sampling techniques was used to select a sample of 203 participants determined by Yamane’s formula. Primary data were collected through structured surveys, with the research instrument validated by subject matter experts among 15 respondents to ensure reliability. Cronbach’s Alpha Coefficient confirmed internal consistency (threshold ≥ 0.7). Data analysis utilised descriptive and inferential statistics, with findings presented visually for clarity. Results demonstrated that service automation, data analytics and digital payment solutions strategies significantly influenced competitive advantage, although their individual effects varied. These findings highlight the need for a strategic customer-centric approach to digital transformation, advocating for selective automation that preserves human interaction in high-value services, improved feedback mechanisms, robust data governance and advanced analytics tools. In addition, banks should refine digital payments, promoting user experience, fraud prevention and service differentiation supported by regulatory frameworks that foster security and innovation.