ndeto_final_project[1].doc - THE IMPACT OF INTERNET BANKING ON PROFITABILITY ON COMMERCIAL BANKS IN KENYA CASE STUDY NAIROBI CITY COMMERCIAL BANKS NDETO

ndeto_final_project[1].doc - THE IMPACT OF INTERNET BANKING...

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THE IMPACT OF INTERNET BANKING ON PROFITABILITY ONCOMMERCIAL BANKS IN KENYACASE STUDY NAIROBI CITY COMMERCIAL BANKSNDETO PETER MUEKEBE100/G/1158/15A RESEARCH PROJECT SUBMITTED TO THE DEPERTMENT OF BUSINESSSTUDIES IN THE SCHOOL OF BUSINESS AND ECONOMICS IN PARTIALFULFILMENT IN THE DEGREE OF BACHELOR OF COMMERCE FINANCEOPTION OF KIRINYAGA UNIVERSITY.APRIL, 2019
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DECLARATION This research project is my original work and has not been presented for examination in anyother university. Name. PeterMueke NdetoSignature……………………………………. Date ………………………….This research project has been submitted for examination with my approval as a UniversitySupervisor Name ……………………………………………………………….Signature ……………………………………. Date ……………………………ii
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ACKNOWLEDGEMENTS I thank the Almighty God for seeing me through the entire research period. Many thanks goto my Supervisor Dr. Mary Maina for her guidance, relentless support and patience duringthis entire research period. I am indebted to you for your guidance and mentorship. In addition, thanks to my colleagues, friends and especially my classmate for theirencouragement and support during this entire period. This final document is as a result ofyour participation and input. iii
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DEDICATION This research project is dedicated to my family for their constant support and encouragement throughout my studies. I cannot forget my parents for their wisdom and inspiration which hasbeen my pillar in search for knowledge. I also dedicate this project to my parents for giving me the motivation and inspiration to further my studiesiv
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TABLE OF CONTENTSDECLARATION.................................................................................................................................iiACKNOWLEDGEMENTS...............................................................................................................iiiDEDICATION....................................................................................................................................ivLIST OF TABLES............................................................................................................................viiiLIST OF FIGURES...........................................................................................................................ixLIST OF ABBREVIATIONS..............................................................................................................xABSTRACT........................................................................................................................................xiCHAPTER ONE.................................................................................................................................1INTRODUCTION...............................................................................................................................11.1Background of the Study...........................................................................................................11.1.1 Electronic Banking.............................................................................................................21.1.2 Profitability of Commercial Banks....................................................................................31.1.3 Effects of Electronic Banking on Profitability..................................................................31.1.4 Banking Sector in Kenya....................................................................................................51.2 Problem Statement....................................................................................................................51.3. Objective of the Study..............................................................................................................61.3.1General Objective................................................................................................................61.3.2. Specific Objectives.............................................................................................................61.4 Research questions....................................................................................................................71.5 Value of the Study......................................................................................................................7CHAPTER TWO................................................................................................................................8LITERATURE REVIEW...................................................................................................................82.1 Introduction...............................................................................................................................82.2 Theoretical Review....................................................................................................................82.2.1 Technology Acceptance Model...........................................................................................82.2.2 Theory of Planned Behavior..............................................................................................82.2.3 Social Construction Theory...............................................................................................92.3 CONCEPTUAL FRAMEWORK...........................................................................................10v
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2.3 Determinants of Profitability of Commercial Banks............................................................102.3.1 Automated Teller machines..............................................................................................112.3.2 Credit cards.......................................................................................................................112.3.3 Points of sales....................................................................................................................112.3.4 Banking softwares............................................................................................................122.4 Empirical Review....................................................................................................................122.5 Summary of Literature Review..............................................................................................16CHAPTER THREE..........................................................................................................................17RESEARCH METHODOLOGY.....................................................................................................173.0 Introduction.............................................................................................................................173.1 Research Design.......................................................................................................................183.2 Population................................................................................................................................183.3 Sample Size..............................................................................................................................193.4 Sampling Technique................................................................................................................193.5 Data Collection Instruments...................................................................................................203.6 Data Collection Procedure......................................................................................................203.7 Data Analysis and Presentation..............................................................................................20CHAPTER FOUR.............................................................................................................................21DATA ANALYSIS, RESULTS AND INTERPRETATION.........................................................214.0 Introduction.............................................................................................................................214.1 Overview of data collected and analyzed...............................................................................224.2 Period of operation of the Commercial banks.......................................................................224.3 Number of clients.....................................................................................................................234.4 Number of employees..............................................................................................................244.5 Main objective of the Commercial banks..............................................................................25INDEPENDENT VARIABLES....................................................................................................264.6 Introduction of ATMs..............................................................................................................264.7 Use of credit cards...................................................................................................................284.8 point of sale channels
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