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The Relationship between Electronic Banking and Financial Performance among Commercial Banks in Kenya

机译:肯尼亚商业银行电子银行业务与财务绩效的关系

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Banking industry has been in a process of significant transformation. The force behind this transformation of the banking industry is innovation in information technologies. Information and communication technology is at the centre of this global change curve of electronic banking system in Kenya today. It is against this background, this study investigated the relationship between e-banking and performance of Kenya banking system. Specifically, the study established whether there is relationship between the dependent variable i.e., performance measured by return on assets and the independent variables: investments in e-banking, number of ATMS and number of debits cards issued to customers as proxy for e-banking. The study used secondary data. The data was collected from annual report of target banks and Central Bank of Kenya. The study used both descriptive and inferential statistics in analyzing the data. In general the study revealed that e-banking has strong and significance marginal effects on returns on asset in the Kenyan banking industry. Thus, there exists positive relationship between e-banking and bank performance. In general conclusion the electronic banking has made banking transaction to be easier by bringing services closer to its customers hence improving banking industry performance.
机译:银行业一直在进行重大转型。银行业转型的推动力是信息技术的创新。如今,信息和通信技术是肯尼亚电子银行系统这一全球变化曲线的核心。在这种背景下,本研究调查了肯尼亚银行系统与电子银行业务之间的关系。具体而言,该研究确定了因变量(​​即以资产回报率衡量的绩效)与以下自变量之间是否存在关系:自变量在电子银行中的投资,ATMS的数量以及发给客户作为电子银行代理的借记卡的数量。该研究使用了二级数据。数据来自目标银行和肯尼亚中央银行的年度报告。该研究在分析数据时使用了描述性统计和推论统计。总体而言,该研究表明,电子银行业务对肯尼亚银行业的资产收益率具有重要的边际影响。因此,电子银行业务与银行绩效之间存在正相关关系。总的来说,电子银行通过使服务更贴近客户而使银行交易变得更加容易,从而改善了银行业的绩效。

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