Felix MusauJoseph Cosmas MushiGuan-Zheng TanCheruiyot W. Kipruto2024-08-132024-08-132011Mushi, J. C., Tan, G. Z., Musau, F., & Wilson, C. (2011). Modeling M-SaaS Delivery Model for Threshold-based Credit Recharging Using M-banking. 3rd International Conference on Computer Research and Development, pp. 307-311. https://doi: 10.1109/ICCRD.2011.5764138.https://repository.ru.ac.ke/handle/123456789/46The emerging of cloud computing has brought about new hope for efficient adoption and use of computer based information system. Software as a Service (SaaS) allows online customers to use applications on the Internet on a payas- you-go basis without investing in new infrastructure or software license. However, current SaaS delivery model bring challenge to online customers in community with poor financial services like online bank-transaction or credit cards. This study proposes Mobile-SaaS delivery model to facilitate online charging and credit-recharging mechanisms for SaaS application. The model use mobile-phone monetary services (M-banking) to support online charging, and adopts threshold-based credit recharge technique to support credit recharging.enSoftware as a service (SaaS)mobile networkMbankingonline recharging.Article