Tech-Driven Financial Services, Credit Information Sharing and Credit Risk of Selected Commercial Banks in Kenya
| dc.contributor.author | Kamau, Robert Wandu | |
| dc.date.accessioned | 2026-02-24T08:51:36Z | |
| dc.date.available | 2026-02-24T08:51:36Z | |
| dc.date.issued | 2025-11 | |
| dc.description | A Project Submitted to the School of Business, Economics and Tourism in Partial Fulfillment of Master of Business Administration Degree (Finance Option) of Kenyatta University, November 2025 Supervisor: 1.Salome Musau | |
| dc.description.abstract | Lending risk, the possibility of borrowers defaulting on loans, is a significant concern for financial institutions in Kenya. Financial institutions have been facing many challenges with high NPL ratios, indicating a concerning number of loan defaults. This has raised concern among different stakeholders in the sector. It’s also a concern for the CBK who is the regulator of banks in Kenya. The economy is driven by commercial banks and therefore any instability of the banking sector can lead to serious economic shock. The study therefore probed into impacts of tech-driven financial services and credit information sharing on selected Kenyan commercial credit risks. Its specific objective was to examine the effect Internet Banking, Mobile Banking, ATM Banking) on the dependent variable (Credit Risk) as well as investigating credit information sharing’ moderating role in these relationships. Theories of stakeholder, institutional and Isomorphism steered the review. This research considered 39 Kenyan commercial banks operational from 2014-2023. Secondary data collected was summarized, coded, and tabulated using STATA 13. Diagnostic tests, including, heteroscedasticity, multi-collinearity, and normality tests were performed. Random Effect Regression Model was used for estimation and findings revealed that all three explanatory variables significantly positively affected Kenyan commercial banks’ credit risk. Credit information sharing did not significantly moderate this information. This suggests that while credit information sharing plays an essential role in reducing credit risk, it may not substantially credit risk’s relationship with tech-driven financial services. The study concluded that while the rise of tech-driven financial services offers tremendous opportunities for increasing financial inclusion and convenience, it also presents challenges in terms of managing credit risk. Given that internet banking, mobile banking, and ATM transactions significantly influence credit risk, commercial banks should strengthen their risk management systems specific to digital platforms. | |
| dc.description.sponsorship | Kenyatta University | |
| dc.identifier.uri | https://ir-library.ku.ac.ke/handle/123456789/32557 | |
| dc.language.iso | en | |
| dc.publisher | Kenyatta University | |
| dc.title | Tech-Driven Financial Services, Credit Information Sharing and Credit Risk of Selected Commercial Banks in Kenya | |
| dc.type | Thesis |