Theses and Dissertations

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Subject: search.filters.subject.Financial Innovation

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    The Effect Of Financial Innovations On Financial Performance Of Commercial Banks In Kenya
    (KCA University, 2017) Muia, Sarah
    The financial institutions have embraced changes by exploiting the capabilities presented by the Information and Technology. Financial innovations adopted by commercial banks refer to the development of new products and new ways of delivering products to customers. The specific objectives of the study were; to determine the effect of electronic fund transfers, mobile banking and internet banking on financial performance of commercial banks in Kenya. This study had a target population of an aggregate of all the commercial banks that are licensed and regulated by the Central Bank of Kenya with a sample of twelve commercial banks. This study used secondary data from Central Bank of KenyaNational payments Statistics supervisory reports and bank annual reports. This study collected data for a period of seven years.Data was analysed using STATA. A multiple regression model was used to establish the relationship between the electronic banking, mobile banking and internet banking on the Return on Assets of the commercial banks. The study has found that financial innovations have an influence on the performance of commercial banks in Kenya. The study found out that variations in Return on Assets could be explained by electronic funds transfers, mobile banking and internet banking. The study further established that all variables, that is, electronic funds transfers, mobile banking and internet banking affect Return on Assets positively. The study thus recommends that it is important for commercial banks to prudently adopt financial innovations as it has both positive effects on performance of commercial banks in Kenya.
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    Effect Of Investment In Financial Innovations On Financial Performance Of Commercial Banks In Kenya
    (KCA University, 2016) Kiptum, Abraham K.
    The use of financial innovation in commercial banking in Kenya is on the rise in as a policy of mitigating the challenges posed by the dynamic banking environment. This study aims at establishing the contribution of this use of financial innovation on the financial performance of the commercial banks in Kenya. The dependent variable are institutional innovation, product innovation and marketing innovation. The dependent variable is financial performance (Return on Asset). The previous research work did not use all the independent variable but most on specific individual innovations. The study adopts a descriptive study where use of panel data was used in the data analysis of the secondary data collected from published financial records or from the finance departments of commercial banks in Kenya. The target population included the 41 commercial banks in Kenya. It adopted a census survey where 41 banks were used in the study and there was no sampling since the population size was small. Regression and correlation analysis was used to study the relationship between the dependent and the independent variables of the study. These were employed to analyze the data and find out whether there was any effect of financial innovations on financial performance of commercial banks. The study used descriptive statistics such as mean and standard deviation to describe the data with regard to the variables. The effect of each type of innovation on financial performance will be assessed using regression analysis. The findings would be used to make recommendations regarding the use of financial innovation as policies of ensuring competitiveness in the commercial banking sector in Kenya.