Effect Of Electronic Banking On The Financial Performance Of Commercial Banks
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Electronic banking utilizes electronic and telecommunications networks to provide a broad array of value-added products and services to bank customers. E-business is transforming business practices across industries, including commercial banks. The introduction of electronic banking services has been a pivotal innovation in the Kenyan banking sector. Against this backdrop, this study investigates the correlation between e-banking and the performance of commercial banks in Kenya. Specifically, it examines whether there is a relationship between the dependent variable, such as profit after tax, and independent variables including the number of ATMs, issued debit and credit cards, point-of-sale terminals, and the usage levels of mobile banking, internet banking, and electronic funds transfer, all components of e-banking.
The study utilized secondary data gathered from commercial banks’ annual reports and the Central Bank of Kenya. Both descriptive and inferential statistics were employed to analyze the data.
The findings indicate that e-banking significantly impacts the profitability of commercial banks in Kenya, establishing a positive relationship between e-banking and bank performance. The significance tests reveal that the influence of bank innovations on profitability is statistically significant, suggesting that the cumulative effect of these innovations plays a crucial role in explaining the profits of commercial banks in Kenya.
The study recommends that bank management should prioritize the adoption of innovations to enhance profitability, especially as early adopters tend to be more profitable. Additionally, it suggests that government policymakers should review policies aimed at promoting innovation adoption and technology transfer, as these measures can bolster organizational profitability and subsequently contribute to increased tax revenues
DECLARATION
DEDICATION
ACKNOWLEDGEMENT
LIST OF ABBREVIATIONS
LIST OF TABLES
ABSTRACT
CHAPTER ONE
INTRODUCTION
Background of the study
Electronic banking
Financial performance
Effect of E-Banking on financial performance of banks
Banking industry in Kenya
Research Problem
Objective of the Study
Value of the Study
CHAPTER TWO
LITERATURE REVIEW
Introduction
Theoretical Review
Technology Acceptance Theory
Theory of Planned Behavior
The Theory of Reasoned Action
Measures of E-Banking and Financial Performance
Capital Adequacy
Asset Quality
Management Quality
Earning Performance
Liquidit
Sensitivity to Market Risk
Empirical Studies
Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
Introduction
Research desig
Population
Data Collection
Data Analysis
Analytical Model
CHAPTER FOUR
DATA ANALYSIS, FINDINGS AND DISCUSSION
Introduction
Variables
Descriptive statistics
Regression Analysis
Interpretation of Findings
CHAPTER FIVE
SUMMARY, CONCLUSIONS AND RECOMMENDATION
Introduction
Summar
Conclusion
Recommendation
Limitations of the Study
Areas for Further Research
REFERENCES
APPENDICES
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The background, research question or hypothesis, and objective or aim of the Effect Of Electronic Banking On The Financial Performance Of Commercial Banks should all be presented in the introduction, which is the first section.
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