FINTECH ADOPTION ON PERFORMANCE OF LISTED COMMERCIAL BANKS IN KENYA

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dc.contributor.authorJANET PERIS MULAMA
dc.date.accessioned2026-03-31T16:22:22Z
dc.date.available2026-03-31T16:22:22Z
dc.date.issued2025-09
dc.descriptionThesis
dc.description.abstractFinancial Technology (FinTech) referred to the integration of digital innovations such as mobile banking, internet banking, artificial intelligence, and blockchain into financial services to improve efficiency and customer experience. This study examined the effect of FinTech adoption on the performance of commercial banks listed on the Nairobi Securities Exchange (NSE), Kenya. A descriptive cross-sectional research design was adopted, targeting all 11 listed commercial banks. The study was grounded in the positivist research philosophy, which emphasized objective measurement and statistical analysis of observable phenomena. The sample comprised 77 purposively selected managers from top, middle, and lower levels involved in digital banking operations. Purposive sampling was used to ensure participants were knowledgeable about FinTech systems. Data were collected through structured Likertscale questionnaires. Validity and reliability were ensured, with Cronbach’s Alpha confirming internal consistency (α ≥ 0.70). Data were analysed using SPSS version 28, employing descriptive statistics, correlation analysis, and multiple linear regression. The correlation results indicated a strong positive and statistically significant relationship between FinTech adoption and bank performance (r = 0.782, p < 0.01), suggesting that higher levels of FinTech integration were associated with improved operational efficiency and profitability. Regression analysis further revealed that mobile banking, internet banking, artificial intelligence, and blockchain collectively explained 61.4% of the variance in bank performance (R² = 0.614, p <0.05). The study concluded that FinTech adoption had a significant positive effect on the performance of listed commercial banks in Kenya. It recommended that bank management invest more in advanced digital innovations, strengthen cybersecurity measures, and provide continuous training to staff for optimal utilisation of FinTech platforms. These findings are expected to inform strategic FinTech integration for sustainable competitive advantage in the Kenyan banking sector.
dc.identifier.urihttps://repository.cuea.edu/handle/123456789/642
dc.language.isoen_US
dc.publisherTHE CATHOLIC UNIVERSITY OF EASTERN AFRICA
dc.subjectFintech adoption
dc.subjectbank performance
dc.subjectlisted commercial banks
dc.subjectdigital financial services
dc.subjecttechnology adoption
dc.subjectfinancial innovation
dc.subjectKenya
dc.titleFINTECH ADOPTION ON PERFORMANCE OF LISTED COMMERCIAL BANKS IN KENYA
dc.typeThesis

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