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The International Journal of Management Science and Information Technology (IJMSIT)


The international journal of management Science and information technology (IJMSIT) is a refereed journal and publishes high-quality theoretical and empirical papers in the areas of management science and information technology. This journal reports the impact of information technologies on the managerial and organizational topics. IJMSIT develops a comprehensive and theoretical framework by using a multidisciplinary approach to management and information technology for researchers and practitioners.


Editor-in-chief: J. J. Ferreira, University of Beira Interior, Portugal, Email:
Published: Quarterly
Copyright: 2012, North American Institute of Science and Information Technology (NAISIT)
ISSN: ISSN 1923-0265 (Print) - ISSN 1923-0273 (Online) - ISSN 1923-0281 (CD-ROM)

Effects of e-banking on growth of customer base in kenyan banks
11 : Issue11 - (Jan-Mar 2014) ( 2014-03 )


The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactions, either through internet, telephone or other electronic delivery channels. The research adopted a descriptive research design, to survey of selected Kenyan banks. The study used stratified random sample to ensure equal representation where 135 respondents who were selected from the strata/ banks.  According  to the  results  obtained  in the  study e-banking has enhanced the growth of the customer  base  for  the  banking institutions in Kenya, through enhancing  banking  services accessibility to a  larger  population in the  country. Therefore the study recommended that the banks should embrace e-banking as a key competitive advantage.

Author(s): Bichanga Walter Okibo - Kenya - University of Agriculture and Technology
Ali Yattani Wario - Kenya - University of Agriculture and Technology
Keywords: Electronic Banking, Innovation, Internet Banking and Customer Base
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