School of Business
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Item Effect Of Financial Innovation On Financial Performance Of Commercial Banks In Kenya(KCA University, 2019) Katutu, Felix M.The Kenyan commercial banking sector is experiencing unprecedented changes attributable to technological adoption. Currently, tremendous and significant changes are being witnessed in the commercial which have resulted and continues to shock the financial market with diversified, customer oriented financial products. All these changes are wholly or partially driven by the urge of being on top of the market and outdo the wits of their competitors. These technological disruptions have not only been embraced by the institution to increase its profit books but to ensure the dynamic market is well utilized. These changes have made the commercial banks to revitalize their profit driven motive amidst the competitive globalized financial market. The main goal of this study was to determine the effect of financial innovations on the financial performance of commercial banks in Kenya. This research was guided by the following hypotheses which informed the study; Mobile banking, Agency banking, Self-service banking and internet banking have no significant effect on commercial banks performance. The target population comprised all the eight (8) tier one commercial banks in Kenya. Data on their performance with the respective independent variables was sourced from the Central Bank of Kenya (CBK) database. Panel data regression analysis was employed as the methodological tool for analysis. The analysed data was presented using tables, graphs and pie charts. The correlation analysis showed that mobile banking, internet banking, agency banking and self-service banking had a positive relationship with return on assets. The study concluded that mobile banking, internet banking, agency banking and self-service banking have a positive effect on financial performance of tier 1 commercial banks in Kenya. The study recommends that commercial banks adopt other financial innovations in order to increase their financial performance.Item Effect Of E-banking On Financial Performance Of Listed Commercial Banks In Kenya(KCA University, 2018) Ogutu, MaryThe objective of this study was to examine the effect of electronic banking on financial performance of listed commercial banks in Kenya. This study was guided by four objectives, establishing the effect of mobile banking, agency banking, ATM banking and online banking on financial performance of listed commercial banks in Kenya. The study employed quantitative research design using panel data analysis. The targeted population of the study was the 11 listed commercial banks in Kenya. Secondary data was extracted from CBK banking supervisory reports and published annual reports of banks. The data was recorded on data collection sheets. Both descriptive and inferential statistics were used. The findings were presented using tables with associated explanations. The study found that there was strong positive relationship between mobile banking, agency banking, ATM banking and online banking and financial performance of listed commercial banks in Kenya. Financial performance of commercial banks and m-banking were strongly and positively correlated. There was a strong positive correlation between financials performance of individual commercial bank and agency banking. There was a strong positive correlation between financials performance of individual commercial bank and agency banking. There was a weak positive correlation between financial performance of individual commercial bank and online banking.Item Effect Of Digital Finance On The Financial Performance Of Commercial Banks In Kenya During Covid 19 Pandemic(KCA University, 2022) Oduori, Vincent N.Digital financial services play a very key role to the public because it enables them to access services without a physical visit to the service provider and it builds security to some extent. Through digital financial services, banks can provide services to their customers during covid 19 pandemic, which hurt economic development and affected the banking sector in a wide range and many financial institutions. Digital financial services consist of agency banking, mobile banking, mobile wallet, and internet banking. Since the outbreak of covid 19 pandemic in the year 2020 banking sector has encountered so many challenges in the world, banks were forced to embrace digital banking in full capacity in order to serve all the customers including those who were in remote areas, and to avoid overcrowding in the banking hole with the purpose to reduce the spread of covid 19 virus and to remain in business operations during this time. The main objective of this dissertation was to find out the effect of digital finance on the financial performance of commercial banks in Kenya during covid 19 pandemic. This study has aimed at discussing the benefits of embracing digital transaction activities in the banking sector, especially during covid 19 pandemic, many research have been conducted out in regard to the financial performance of commercial banks, but they did not factor performance of banks in presence of pandemics like what we are facing now i.e. the covid 19 pandemic. However, there exist gaps as many institutions encountered many challenges during covid 19 pandemic. The study was carried out on commercial banks in Kenya. First objective was to analyze the effect of mobile banking on the financial performance of commercial banks in Kenya during covid 19 pandemic. The second objective was to determine the effect of mobile wallets on the financial performance of commercial banks in Kenya during covid 19 pandemic. The third objective was to determine the effect of internet banking on the financial performance of commercial banks in Kenya during covid 19 pandemic. Finally, the fourth objective was to determine the effect of agency banking on the financial performance of commercial banks in Kenya. The target population for the study will be 42 commercial banks in Kenya, and the research will be based on secondary data that will be collected from commercial bank records that will be provided by relevant people during the study.Item Effect Of Digital Technology Adoption On The Performance Of Commercial Banks In Kenya(KCA University, 2023) Kimoni, Lawrence M.The concept of performance holds a crucial position in the field of management. Exploring the reasons behind why two companies functioning in a similar setting have varying levels of success is a topic of interest, and numerous studies in the management discipline have focused on unraveling this enigma. In the last 10 years (2012-2021), we have witnessed increased adoption of digital technology among commercial banks in Kenya. Among the digital technologies comprise mobile banking, agency banking, internet banking, and blockchain technology among others. As the commercial banks adopt digital technology in their ways of doing business, such crucial issues m-banking services cost, system security, and speed of service and skills requirement need to be investigated with a view of establishing their overall effect on the performance. The aim of this study was to evaluate how the use of digital technology impacts the performance of commercial banks in Kenya. The study has identified specific objectives which include determining the influence of mobile banking, internet banking, agency banking, and blockchain technology on the performance of commercial banks in Kenya. The research focused on three theories - the technology acceptance model, financial intermediation theory, and diffusion of innovation theory. To conduct this study, a descriptive research design was used. The target population for the study was all the 42 banks, with the unit of analysis being head of strategy or operations manager. All 42 banks were encompassed in the research, and a census approach was used, with one respondent who was either the head of strategy or operations manager of each bank participating in the study. Questionnaire was used to collect primary data. A pilot study was conducted to evaluate the reliability and validity of the research questionnaire. Quantitative data was collected. The coded data was analysed using multiple linear regression method. The research discovered a substantial positive association between mobile banking, internet banking, agency banking, and blockchain technology with organizational performance of commercial banks in Kenya. Its regression analysis discovered collective adoption of digital technology accounted for 90.3 percent of the variations in performance of banks in Kenya. The Anova results revealed a p value of 0.000 which was less than the significance level of 0.05 implying that digital technology adoption is critical for organizations to adopt in their efforts to increase their performance levels, according to the result of this research. The study concludes that mobile banking, internet banking, and blockchain technology have positive effects on the organizational performance of commercial banks in Kenya. It is consequently, recommended that commercial banks in Kenya should invest in and promote these technologies to enhance their overall performance, attract and retain customers, streamline processes, and provide enhanced banking experiences.