| dc.description.abstract | The purpose of this study was to establish the factors that affect the mobile banking in Kenya. The study was guided by four objectives which revolved around the effect of educational level, the age of the individual, the perceived usefulness of mobile phone and the perceived ease of use of the mobile phones on mobile banking. The literature review focused on the factors that affect the mobile banking such as the level of education, age, perceived usefulness and perceived ease of use. The study embraced a descriptive survey design. The data collected was both qualitative and quantitative with the questionnaire and document analysis being the main tool for data collection. The target population included all the 39,204 customers of Equity bank Garissa Branch and the sample size was arrived at using the Mugenda and Mugenda (2003) formulae. The data analysis was done by use of SPSS version 20 and the data was presented using frequency tables and correlational tables. Through data analysis the study established that; there is a relationship between the levels of education, the age of the individual, the perceived usefulness of the mobile phone and the perceived ease of use of the mobile phone on the use of the mobile banking facility. The study recommended that the customers of Equity bank need to be sensitised on the need to use mobile banking with the aim of decongesting the long queues experienced as people carry out banking transactions especially the end of the month. It also recommended that, the banks needs to market the mobile banking services to the client with the aim of increasing the number of people using mobile banking. The bank should also lower the charges of the services sought through mobile banking facility with the aim of wooing many people into using the facility. There is also need to encourage the people who are already registered with mobile banking facility to desist from travelling to the bank to seek services that they can seek through mobile banking and also the community around Garissa town should embrace education in order to increase literacy rates with the view of encouraging people to embrace technology like the use of the mobile banking | en_US |
