Browsing by Author "Ndede, Fredrick W.S."
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Item Adoption of Digital Banking Technology and Financial Performance of Commercial Banks in Kenya(IJCAB Publishing Group, 2020) Ouma, Stephen Otieno; Ndede, Fredrick W.S.Commercial banks play a leading role in the economic development of a country and this role of can be achieved only if the banks are stable. Digital banking technology has thus emerged as a way through which the commercial banks can be able to improve their financial performance by enhancing retail and corporate banking activities. From the inception of digital banking, banks have improved their networks in areas of deposits, withdrawals and other banking activities. However, despite the innovative ideas in digital banking, there still exists gaps as some banks still fail and face imminent collapse. The objective of this study was to establish how digital banking technology innovations affects the financial performance of commercial banks. The study took a descriptive survey design and was driven by three objectives namely; determining the effect of access to digital banking technology, turnaround time and digital banking technology costs on financial performance. This study was anchored on financial intermediation theory, innovation diffusion theory and modern economics theory. A questionnaire was used to collect primary data over a target population of 42 commercial banks in Kenya. The study involved a census of the commercial banks in Kenya as at September 2018 and encompassed collection of data through self-administered questionnaires targeting the finance and IT managers of the banks in their headquarters in Nairobi. The data collected was analysed using a descriptive method. The responses were tabulated, coded and processed by use of a computer statistical package for social scientists. The findings of the study were analysed and presented using statistical methods including pie charts and bar graphs and frequency tables. From the findings and summary, the study concluded that the ease of access to digital banking through digital-banking technology innovations had a positive influence on the financial performance of commercial banks in Kenya. The study also concludes that the turnaround time of digital banking technology innovations had a positive impact on the financial performance of commercial banks in Kenya with many of the banking institutions recording high amount of deposits and improved loan values thus creating an opportunity of increasing their customer base.Item Applicability of Blockchain Technology in Cryptocurrency and Return on Investment for Online Companies Operating in Kenya(Stratford Peer Reviewed Journals and Book Publishing, 2025-03) Kamathi, Fridah Kaunga; Ndede, Fredrick W.S.Kenya is a global leader in blockchain technology and cryptocurrency adoption, with many businesses implementing blockchain solutions. However, the relationship between blockchain technology in cryptocurrencies and return on investment (ROI) is unclear in the literature. This study looked at the impact of blockchain technology on cryptocurrencies and ROI for Kenyan internet businesses. The independent variables were blockchain digital ledgers, blockchain smart contracts, and permissioned blockchains, with ROI as the dependent variable. The study was founded on the resource-based view theory, disruptive innovation theory, and diffusion of innovation theory. A correlational research design was used to target 1,664 online companies in Kenya. A sample of 178 firms was selected from a group of 322 companies that had used blockchain for at least three years. Top managers were selected as respondents using stratified sampling. Questionnaires were used to collect data, which was then analyzed with SPSS version 21 for inferential and descriptive statistics. Regression and correlation analyses revealed that implementing blockchain technology had a positive and significant impact on ROI. Among the independent variables, blockchain digital ledger had the highest impact (0.065 units), while permissioned blockchains had the least (0.056 units). All findings were significant at p < 0.05. The study emphasized the importance of online companies prioritizing blockchain adoption in order to maximize ROI. It concluded that blockchain digital ledgers, smart contracts, and permissioned blockchains had a significant impact on ROI. Future research should investigate the indirect mediating effects of blockchain project goals and company characteristics. The study recommended that Kenyan online business leaders accelerate blockchain integration, particularly the use of blockchain digital ledgers, to improve transparency, security, and fraud prevention. In addition, permissioned blockchains should be implemented to strengthen data integrity and mitigate risksItem Applicability of Blockchain Technology in Cryptocurrency and Return on Investment for Online Companies Operating in Kenya(Journal of Information and Technology, 2025-03) Kamathi, Fridah Kaunga; Ndede, Fredrick W.S.Kenya is a global leader in blockchain technology and cryptocurrency adoption, with many businesses implementing blockchain solutions. However, the relationship between blockchain technology in cryptocurrencies and return on investment (ROI) is unclear in the literature. This study looked at the impact of blockchain technology on cryptocurrencies and ROI for Kenyan internet businesses. The independent variables were blockchain digital ledgers, blockchain smart contracts, and permissioned blockchains, with ROI as the dependent variable. The study was founded on the resource-based view theory, disruptive innovation theory, and diffusion of innovation theory. A correlational research design was used to target 1,664 online companies in Kenya. A sample of 178 firms was selected from a group of 322 companies that had used blockchain for at least three years. Top managers were selected as respondents using stratified sampling. Questionnaires were used to collect data, which was then analyzed with SPSS version 21 for inferential and descriptive statistics. Regression and correlation analyses revealed that implementing blockchain technology had a positive and significant impact on ROI. Among the independent variables, blockchain digital ledger had the highest impact (0.065 units), while permissioned blockchains had the least (0.056 units). All findings were significant at p < 0.05. The study emphasized the importance of online companies prioritizing blockchain adoption in order to maximize ROI. It concluded that blockchain digital ledgers, smart contracts, and permissioned blockchains had a significant impact on ROI. Future research should investigate the indirect mediating effects of blockchain project goals and company characteristics. The study recommended that Kenyan online business leaders accelerate blockchain integration, particularly the use of blockchain digital ledgers, to improve transparency, security, and fraud prevention. In addition, permissioned blockchains should be implemented to strengthen data integrity and mitigate risks.Item Impact of Infrastructure Bond Interest Rates on the Performance of Road Projects within the Nairobi Metropolitan Area(The International Journal of Business & Management, 2025-05-19) Aoko, Roselyn Anyango; Ndede, Fredrick W.S.; Njaramba, Jennifer G.Infrastructure projects in Kenya frequently encounter challenges related to timely completion and adherence to budgets. This research aims to determine the impact of infrastructure bond interest rates on the performance of road projects within the Nairobi Metropolitan Area. The research employed a longitudinal research design to effectively address its objectives. The study population encompassed all 61 road construction projects conducted between 2014 and 2022. A comprehensive survey of these road projects was carried out. Secondary data for the years 2014 to 2022 were gathered from a variety of sources, including the Central Bank of Kenya, National Treasury, Ministry of Transport, Infrastructure, Housing, Urban Development, and Public Works, as well as the Kenya Urban Roads Authority. Data was analyzed using descriptive statistics and inferential statistics aided by STATA ver.14.0. The hypothesized relationships were tested using panel regression. The findings revealed that increasing infrastructure bond interest rates negatively affect the completion of road infrastructure, with a statistically significant inverse relationship between bond interest rates and kilometers of roads completed. To improve road infrastructure completion, the government should consider stabilizing or reducing infrastructure bond interest rates through policies including subsidies, government-backed guarantees, or interest rate caps.Item The Impact Of Infrastructure Bond Yields On Road Infrastructure Development: Evidence From Nairobi Metropolitan Region, Kenya(IOSR Journal of Business and Management (IOSR-JBM), 2025-03) Aoko, Roselyn Anyango; Ndede, Fredrick W.S.; Njaramba, Jennifer G.Infrastructure bonds are crucial for funding large-scale infrastructure initiatives, such as road construction, energy systems, and public transportation networks. Consequently, infrastructure bond yields represent the returns that investors receive for purchasing bonds issued by governments or corporations to finance infrastructure projects. They also represent the bond’s risk and return profile. This study sought to find out the effect of the Infrastructure bond yields on the performance of road projects in Nairobi Metropolitan Area, Kenya. The research employed a longitudinal research design to effectively address its objectives. The study population encompassed 18 road construction projects conducted between 2014 and 2022 in the area. Panel data for the bonds and projects performance were compiled from the Central Bank of Kenya; National Treasury; Ministry of Transport and Infrastructure, as well as the Kenya Urban Roads Authority. Data was analysed using descriptive statistics and inferential statistics aided by STATA ver.14.0. The findings of this study reveal a significant relationship between infrastructure bond yields and the performance of road projects in the Nairobi Metropolitan Region. Higher bond yields are associated with delays in project completion, suggesting that increased borrowing costs may restrict infrastructure financing, ultimately hindering progress in road development. Government agencies should implement policies that stabilize infrastructure financing costs, such as tax incentives for infrastructure bonds, improved public-private partnerships, and innovative funding mechanisms to enhance road project completion rates