Effect of Mobile Banking on Liquidity of Commercial Banks in Kenya
dc.contributor.author | Najma, Abdikani A | |
dc.date.accessioned | 2023-11-21T06:51:30Z | |
dc.date.available | 2023-11-21T06:51:30Z | |
dc.date.issued | 2022 | |
dc.identifier.uri | http://erepository.uonbi.ac.ke/handle/11295/164110 | |
dc.description.abstract | This study sought to establish the effect of mobile banking on liquidity of commercial banks in Kenya through a causal research design. Researcher collected secondary data from 39 commercial banks in Kenya between 2017 and 2021. The data was sourced from bank supervision reports from the Central Bank of Kenya (CBK). The data will be collected using data collection sheet. This study utilized quantitative data analysis techniques via STATA 17. The statistical tests of significance that will be carried out will include F-test as well as t-test. The findings showed that the average liquidity of commercial banks was 2.6965%; mobile banking showed a mean of Ksh. 4.4797 billion; bank size showed a mean of 4.05729; while asset quality showed a mean of 21.3960% indicating low non -performing loan among the banks. The study found that mobile banking and asset quality had a positive effect on the liquidity of commercial banks. However, capital adequacy had a negative effect while bank size had no significant effect on liquidity of commercial banks. This study concludes that mobile banking and asset quality have a positive effect on liquidity of commercial banks in Kenya. The study further concludes that capital adequacy has a negative effect on liquidity of commercial banks in Kenya. Further, bank size has no significant effect on liquidity of commercial banks in Kenya. This study recommends that commercial banks increase the usage of mobile banking by their customers. This study also recommends that the commercial banks in Kenya increase the risk weighted assets in the asset portfolio reducing the core capital to risk weighted assets ratio hence increasing liquidity levels within the banks. This can be done by releasing capital from areas of inefficient capital usage. Commercial banks in Kenya should increase their asset quality through increased loans under follow up. | en_US |
dc.language.iso | en | en_US |
dc.publisher | University of Nairobi | en_US |
dc.rights | Attribution-NonCommercial-NoDerivs 3.0 United States | * |
dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/us/ | * |
dc.title | Effect of Mobile Banking on Liquidity of Commercial Banks in Kenya | en_US |
dc.type | Thesis | en_US |
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School of Business [1515]