dc.description.abstract | The objective of the study was to investigate how liquidity of Kenyan banks is impacted through
electronic banking. The goal of the study was to ascertain how ATMs, internet banking, and
mobile banking affected the banks' liquidity. The major source of income for the banks is loan
interest. Liquidity is crucial to a bank's sustainability since commercial banks use short-term
consumer deposits to support long-term loans. The availability of cash, a crucial operating
instrument, affects how successfully banks function. Bank liquidity will be impacted by worries
about how electronic banking is developing. In Kenya, 43 commercial banks were studied using
a descriptive study method. The research was carried out during a five-year period, from 2015 to
2020. Secondary data was provided by the Kenyan Central Bank and the targeted banks. The
explained variable was liquidity, and the explanatory variables were ATM banking, mobile and
internet banking. Average values for total assets, average internet transaction values, average
ATM transaction values, and average mobile banking transaction values were used to calculate
these variables. The 43 commercial banks in Kenya were evaluated using their current ratios as a
liquidity indicator. According to the study, there is a considerable positive association between
liquidity and digital financial services in Kenyan commercial banks, with a 95% degree of
confidence. Internet banking has the least impact on liquidity when compared to ATM banking.
Mobile device accessibility benefit in terms of increasing transaction volume and value thanks to
major financial investment in mobile banking technology. Many organizations are adopting
electronic banking to profit from its efficiency, accessibility, flexibility, and lower costs. | en_US |