IJSSE - International Journal of Social Sciences and Entrepreneurship Upcoming Journals: International Journal of Innovation and Management (IJIM), International Journal of Engineering and Architecture (IJEA) & International Journal of Science and Agriculture | IJAE, IJEF & IJHRP Call for Papers - Forthcoming Issue (Decemer 2014). Submission deadline: 25th December 2014 |

No images

UserInfo


54.167.243.214
United States United States
Your Time

User Statistics Info
IJSSE is one of the leading International Journals by User Statistics!

Login Form



IJSSE Newsletter Form
Full Names *
E-mail Address: *
Country *
PDF Print E-mail

AN ASSESSMENT OF THE CHALLENGES FACING COMMERCIAL BANKS IN SUSTAINABILITY OF AGENCY BANKING IN KENYA: A CASE OF COMMERCIAL BANKS

Ruth Mary Vutsengwa
Student, Jomo Kenyatta University of Agriculture and Technology


Dr. Karanja Ngugi
Lecturer, Jomo Kenyatta University of Agriculture and Technology

 

ABSTRACT

In Kenya, high proportion of population is excluded from access to financial sector with the situation being grave in rural areas. For majority of Kenya’s population, especially those living in rural areas, access to banking services has been almost non-existent. With the introduction of Mobile banking and Agency banking services in Kenya’s financial systems, affordable and convenient banking services continue to be availed to the large unbanked masses. This study aimed at investigating into factors affecting growth of agency banking in Kenya banking industry. The study sought to fill this knowledge gaps by discussing the following factors: security, scope of service allowed, Infrastructural supports and resources. This research problem used a descriptive research design. The population of this study comprised of all the agency banking outlets in Nairobi.  Data collected was both qualitative and quantitative and it was analyzed by descriptive and content analysis techniques. The descriptive analysis employed descriptive statistical tools such as SPSS and MS Excel which helped the researcher to describe the data and determined the extent used. The researcher will use both primary and secondary data.  Tables were used to summarize responses for further analysis and facilitate comparison. The qualitative data was analyzed using content analysis and presented in prose form. The study concludes that security and privacy implications for all stakeholders should be a prerequisite for sanctioning by the government. The study recommends that banks should embrace a good information security system for convenience, confidentiality, integrity, and availability, by doing this the value of the information will be sustained.


Full Text PDF Format

 
Banner
Publication Disclaimer: The accountability of the article published in IJSSE journals is entirely of the author(s) concerned and not of the publisher/editor. The view expressed in the articles of any IJSSE journal is those of the contributors, and it does not essentially correspond to the views of the publisher/editor. It is responsibility of the authors to seek copyright clearance for any part of the content of the articles. The publisher/editor of IJSSE journals is not liable for errors or any consequences arising from the exercise of information contained in it.
Free counters!
IJSSE - International Journal of Social Sciences and Entrepreneurship | Copyright 2013 | All Rights Reserved  <