肯尼亚移动银行与商业银行技术效率

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Joyce Chepkoech Getugi, Cliff Osoro, Allan Kihara
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引用次数: 0

摘要

目的:作为技术进步的直接结果,金融部门正在发生革命性的变化,银行和其他金融机构采用新技术来更好地在线服务客户。金融部门的技术发展正在简化获得金融服务的途径。该研究旨在剖析金融科技对肯尼亚商业银行业的影响。总体目标是确定移动银行对肯尼亚商业银行技术效率的影响。本研究基于约束诱导创新理论。 研究方法:整个研究以实证的方式收集实证数据和评估假设。本研究采用因果比较研究设计。这项研究的目标人群是17家肯尼亚一、二线商业银行。分析依靠的是二手信息来源。收集的定量数据使用描述性和推断性统计进行分析。使用数字、中位数和标准差来表征数据,使用频率分布来确定样本量。分析相关性和回归的模型是推论统计。使用STATA进行数据分析。 研究发现:手机银行对肯尼亚商业银行技术效率有显著的正向影响。 对理论、实践和政策的独特贡献:根据研究结果,建议肯尼亚商业银行改善其移动银行服务。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Mobile Banking and Technical Efficiency of Commercial Banks in Kenya
Purpose: The financial sector is being revolutionized as a direct result of technological progress, with banks and other financial institutions embracing new technologies to better serve their customers online. Technological developments in the financial sector are simplifying access to financial services. The study set out to dissect the effects of Fintech on Kenya's commercial banking sector. The general objective was to establish the effect of mobile banking on technical efficiency of commercial banks in Kenya. The study was anchored on Theory of Constraint-Induced Innovation. Methodology: The entire study relied on collecting empirical data and evaluating hypothesis in a positivist way. A causal-comparative research design was used in this research. The study targeted population of Seventeen Kenyan commercial banks from the first and second tiers. The analysis relied on secondary sources of information. The gathered quantitative data was analyzed using both descriptive and inferential statistics. Numbers, medians, and standard deviations were used to characterize the data, and frequency distributions were used to determine the sample size. Models for analyzing correlations and regressions are inferential statistics. STATA was used for the data analysis. Findings: The study established that mobile banking has a positive and significant effect on technical efficiency of commercial banks in Kenya. Unique contribution to theory, practice and policy: Commercial banks in Kenya are recommended to improve their mobile banking services in light of the study's findings.
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来源期刊
CiteScore
5.70
自引率
6.90%
发文量
143
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