Research Article
An IoT-Based Pay-As-You-Go System for Motorcycle Loan Repayment and Monitoring
|
International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
|
| Volume 187 - Issue 92 |
| Published: March 2026 |
| Authors: Moses Kamuri, H. Chege Nganga, Stephen Kiambi |
10.5120/ijca2026926497
|
Moses Kamuri, H. Chege Nganga, Stephen Kiambi . An IoT-Based Pay-As-You-Go System for Motorcycle Loan Repayment and Monitoring. International Journal of Computer Applications. 187, 92 (March 2026), 7-11. DOI=10.5120/ijca2026926497
@article{ 10.5120/ijca2026926497,
author = { Moses Kamuri,H. Chege Nganga,Stephen Kiambi },
title = { An IoT-Based Pay-As-You-Go System for Motorcycle Loan Repayment and Monitoring },
journal = { International Journal of Computer Applications },
year = { 2026 },
volume = { 187 },
number = { 92 },
pages = { 7-11 },
doi = { 10.5120/ijca2026926497 },
publisher = { Foundation of Computer Science (FCS), NY, USA }
}
%0 Journal Article
%D 2026
%A Moses Kamuri
%A H. Chege Nganga
%A Stephen Kiambi
%T An IoT-Based Pay-As-You-Go System for Motorcycle Loan Repayment and Monitoring%T
%J International Journal of Computer Applications
%V 187
%N 92
%P 7-11
%R 10.5120/ijca2026926497
%I Foundation of Computer Science (FCS), NY, USA
Abstract
This paper presents a framework for affordable motorcycle ownership using Internet of Things (IoT) technologies and a micro-financing repayment model. The system integrates GPS, GSM, microcontrollers, and an intuitive user interface to enable lenders to track motorcycle usage, automate billing, and remotely manage motorcycles purchased through loan schemes. Prototype testing evaluated data accuracy, repayment computation, and system responsiveness. Results demonstrated reliable travel data capture, transparent repayment records, and effective fleet monitoring via a centralized dashboard. Automated monitoring improved accountability, reduced misuse, and enhanced lender borrower communication. These findings indicate that the platform provides a scalable, digitally driven approach to mobility financing, increasing operational efficiency, transparency, and equitable access to transportation. By supporting sustainable, income-generating mobility opportunities, the system demonstrates the potential of IoT-enabled platforms to optimize loan management and foster trust in digitally mediated transportation services.
References
- Watu Credit, “Motorbike Loans in Kenya.” [Online]. Available: https://www.watuafrica.com
- M-KOPA Mobility, “Driving Change with Smart Mobility.” [Online]. Available: https://www.m-kopa.com
- J. Doe, “IoT applications in asset financing,” Journal of Emerging Technologies, vol. 8, no. 2, pp. 112–120, 2022.
- Azuri Technologies, “PAYG Solar Solutions in Africa.” [Online]. Available: https://www.azuri-technologies
- A. Smith and L. Jones, “GPS-based distance monitoring for loan repayment,” Proc. IEEE AFRICON, pp. 89–94, 2021.
- S. Mugo, “Boda Boda transport sector in Kenya,” African Journal of Transport, vol. 5, no. 1, pp. 45–58, 2020.
- T. Njoroge, “Micro-financing models for youth empowerment,” Journal of African Development, vol. 7, no. 3, 2021.
- J. Kimani, “Low-cost embedded systems for asset tracking,” International Journal of Embedded Systems, vol. 12, no. 4, pp. 222–230, 2023.
- S. Kiprono and M. Chege, “Telematics and smart lending in Africa,” African Technological Review, vol. 10, pp. 77–84, 2022.
- GSM Association, “Mobile Internet Connectivity in Sub-Saharan Africa,” GSMA Intelligence, 2023.
- M. Ochieng, “Arduino-based motorcycle immobilizer,” Proc. IEEE IST-Africa, 2021.
- B. Langat, “ICT4D and financial inclusion,” Development Informatics, no. 19, pp. 33–41, 2020.
- N. Patel, “Securing IoT devices in low-income settings,” IEEE Internet of Things Journal, vol. 6, no. 3, 2021.
- K. Wambua, “Machine learning in credit risk prediction,” Proc. KDD Kenya, 2022.
- Ministry of Transport Kenya, Boda Boda Sector Data Report 2023, Nairobi, 2023.
Index Terms
Keywords