As a result, the relationship between NPLs and the quality of bank assets has increasingly gained prominence in recent years in view of its impact on the lending behavior and overall condition of the banking sector. The deterioration in the quality of bank loans has been identified as one of the major causes of banking sector instability Demirguc-Kunt, ; Bar and Siems,
Business practices in Kenya have gone through many changesthe most important being the introduction of Information communication technology ICT. The mobile phones have being a key ICT product that has affected business practices. This study will also helps us understand how the introduction of these services can create more jobs in Kenya.
While the results of our study are not absolute, they give an indication of what is possible with the appropriate regulatory framework and governmental support. A global telecommunications operator like Safaricom has a unique role to play in the development and expansion of mobile financial services.
We hope that through a better under- standing of how these services can affect the world, the tele-communications industry can contribute to the prosperity and economic prowess of the nations in which it operate.
MFSs have the power to create opportunities for the rural poor by increasing financial security and reducing the cost of transactions. Mobile financial services also leads to: Kenya has already shown great progress in regulating mobile financial services by allowing financial institutions to engage with different types of agents and acknowledging the mobile Thesis proposal effects of non traditional banking as a type of agent.
Pakistan has prioritized consumer protection in its regulations, suggesting customer awareness programs and holding banks liable for any fraudulent behavior of its agents. The regulatory challenge remains to improve flexibility.
One potential barrier is that the policies covering anti-money laundering and the prevention of financing terrorism currently apply to banks only, and have not yet been customized for mobile financial services or branchless banking activities.
Limits on transaction amounts can also present a hurdle for widespread adoption of mobile financial services, as a reduced transaction amount can lessen the appeal for customers. However, poverty is not limited to the rural areas. Many urban workers are equally at risk, as a significant number of these individuals live off of low wages.
The urban poor typically take advantage of informal means of financing, such as borrowing from friends and relatives or seeking help from illegal moneylenders.
These informal methods of acquiring money could be alleviated through loans that are remitted directly via mobile financial services. Mobile financial services can also stimulate female empowerment in Kenya. This study will be quantitative in nature. It also discusses the effect of process, product and technological development on delivery of the mobile banking service.
This study seeks to help quantify the profitability of mobile banking in Kenya. It discusses the basic motive of banks to adopt M-banking services which has been facilitated by increased competition in the market and the need to provide more and better service delivery to customers.
The results show that e-banking has increased the profitability of banks; it has enabled the banks to meet their costs and earn profits even in the short span of time. For banks, the main motive to introduce mobile banking is to increase their clientele, to retain their customers, reduce costs and make profits.
The research was conducted through a survey design and secondary data from financial statements of seven banks in Kenya. Data collected was quantitative. Some qualitative analysis was done to be able to establish the opportunities that mobile banking has helped in attaining financial performance.
between mobile banking and the financial performance of commercial banks in Kenya. The study recommends that the policy makers take mobile banking awareness creation into consideration when drafting policies on the operations of banks in Kenya. In other words. and among these many risk the bank face one of the most critical is the borrowers risk – the risk of non payment of the disbursed loans and advances. In simple terms. we cannot deny the role of bank in developing an economy. the effect of credit risk management on loans portfolio among saccos in kenya by lillian kisivuli essendi a research project submitted in partial fulfillment of.
The research shows that mobile banking to a larger extent impacts the financial performance of commercial banks in Kenya in that it helps reduce unnecessary cost, increase efficiency and improves on service delivery to customers. This on the other hand increases the banks profits in the long run.
The study concludes that Adoption of mobile banking is very important in the improvement of financial capital adequacy of commercial banks and profitability.
Mobile banking is being used to improve financial operations. The banks have put in place measures become more competitive by training its staff, investing in research and development of technology.
The study recommends that for all the commercial banks to earn more profit, increase the number of customers and for their businesses to grow further, they have to invest more as well as embrace the adoption of market innovative strategies.
It also recommends that banks should adapt the new technologies being introduced in order to cope with the fast changing technology like use of tablets.
To theory this study recommends that research into the innovation theories should be done with an aim of validating the theories to the current operating environment of banks.
For further research the study suggests that commercial banks should investigate the effects of innovation strategies. The same study can also be conducted in other types of industries.
Currently, Kenya prides herself with the services of over 45 commercial banks of which most of them have mobile and agency banking departments. The performance of most of these banks with regards to profitability, liquidity, loan disbursement, customer netting among other performance indicators has being rated satisfactory.
The performance of mobile banking as a model has been very successful in propelling the performance of commercial banks in many developing countries.Example of a Research Proposal; EFFECTS OF MOBILE BANKING ON THE ECONOMY: CASE OF MOBILE BANKING IN NAIROBI COUNTY Background of the Study Mobile banking is a system that allows customers of a financial institution to conduct a number of financial transactions through a mobile device such as a mobile phone or personal digital assistant.
The global financial crisis which started in United States of America and spread across the world resulted in the recognition that the quantity of non-performing loans (NPLs) is related to bank failures and the financial status of a country (Vatansever and Hepï¿½ï¿½en, ).
A List of the Most Interesting Dissertation Topics About the Banking Industry. When you’re pursuing a Master’s degree or a PhD in any subject, you’ll be required to do a dissertation, also known as a thesis, before you can complete the program and receive your degree. In other words.
and among these many risk the bank face one of the most critical is the borrowers risk – the risk of non payment of the disbursed loans and advances.
In simple terms. we cannot deny the role of bank in developing an economy. Impact of E-Banking on Traditional Banking Services Shilpan Vyas traditional banking grupobittia.com this step of the process,  Paperless society and its effects on the sales tax audit.
Journal of State Taxation 19(4), Impact of E-Banking on Traditional Banking Services Shilpan Vyas School of Computer Science and Information Technology, Singhania University, Pacheri Bari, Jhunjhunu – Rajasthan, India.
Abstract - Internet banking is changing the banking industry, having the .