Electronic Banking Adoption and Financial Performance of Commercial Banks in Kenya, Nairobi City County
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Date
2019
Authors
Jepchumba, Priscah
Simiyu, Eddie
Journal Title
Journal ISSN
Volume Title
Publisher
IPRJB
Abstract
Purpose: This research was done to establish how e- banking adoption has improved the
financial performance of commercial banks in Kenya.
Methods: The study used descriptive research design and structured questionnaires to collect
data.The target population was all the 41 commercial banks in Nairobi. The sampling design was
census where general managers and credit managers were targeted in Nairobi headquarters. The
source of data was primary and secondary data; Primary data was collected from source through
questionnaires while secondary data was sourced from annual central bank reports, bank
financial statements as well as periodical journals and reports.
Results: The findings of the study has indicated that most of the respondents had served the
banking industry for a period of at least five years and education level of at least a college
diploma. The study also rejected all the null hypotheses and concluded that electronic banking
has positive effect on financial performance of commercial banks. The study has contributed to
knowledge through provision of scholarly literature on electronic banking and financial
performance of commercial banks in Kenya.
Unique Contribution to Theory, Practice and Policy: The study’s recommendation to
management is to implement strategies which: increase Speed in Electronic Services, increase
investments in Electronic banking, promote training programs to employees and adopt suitable
techniques to reduce threats to e-banking. The study’s recommendation is that a similar
research should be conducted with a moderating or mediating variable in the same industry.
Description
A Research Article in the International Journal of Finance and Accounting
Keywords
E-Banking Adoption, Financial Performance, Commercial Banks
Citation
Jepchumba, P., & Simiyu, E. (2019). Electronic Banking Adoption and Financial Performance of Commercial Banks in Kenya, Nairobi City County. International Journal of Finance and Accounting, 4(2), 19-38.