| dc.description.abstract | E-banking is regarded as the process by which customer carry out banking transactions
electronically without going to a brick-and-mortar institution. With the great reception of
the internet as a delivery channel for banking products and services, it has provided new
business opportunities for banks as well as for customers. Electronic payment systems
have become essential part in the online business process innovation, as companies look
for ways to improve service delivery. This study sought to establish the operational
determinants of e-banking on performance of commercial banks in Kenya. The study was
guided by two objectives; to establish operational determinants of e-banking and to
determine the effects of operational determinants of e-banking on performance of
commercial banks in Kenya. The target population of the study consisted of all 43
operating commercial banks in Kenya, registered with the CBK where both primary and
secondary data was used. The findings from this study presented significant progress
towards understanding the determinants of E- banking and its perceived effect on
performance of commercial banks in Kenya. The findings agree that increasing
implementation of e-banking results in the increased performance and the adoption of ebanking
by the banks has positively impacted on the operating efficiency of commercial
banks in Kenya. The study conclude that adoption of e-banking has enhanced Kenyan
banking industry by making it more productive and effective; E-banking also has a strong
positive relationship on the overall banking performance by making workers performance
more effective and efficiency. There is need for commercial banks to heavily invest in
technology as this will highly encourage the adoption of e-banking technologies and this
will influence the financial performance of commercial banks. Commercial banks should
therefore continue to adopt new technologies which will improve their margins and hence
their profitability in order to attract more investors. There is need for a study to be
conducted to determine the relationship between e-banking and financial performance of
commercial banks in Kenya. | en_US |
