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Effect of Mobile Credit on Operational Efficiency in Commercial Banks in Kenya

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dc.contributor.author Kinyanzui, Koki F.
dc.contributor.author Achoki, George
dc.contributor.author Kiriri, Peter
dc.date.accessioned 2018-11-27T10:56:22Z
dc.date.available 2018-11-27T10:56:22Z
dc.date.issued 2018
dc.identifier.uri http://erepo.usiu.ac.ke/11732/4121
dc.description Journal Article en_US
dc.description.abstract This study sought to establish the effect of mobile credit on operational efficiency in commercial banks in Kenya. The study utilized primary as well as secondary data on access to mobile credit and its effects on the performance of the organization. A questionnaire was the primary data collection tool and composed of open ended and closed ended questions. Data collected was analyzed using multiple linear regression analysis at a 95% confidence interval. Analyzed data was presented using tables and figures for ease of interpretation. Operational efficiency is the goal of any manager in a customer service driven sector. Some of the strategies to achieve operational efficiency include managerial behavior change, promoting operational optimization and use of technology. Mobile credit introduction improved operational efficiency in commercial banks. Mobile credit introduction enhanced operational efficiency in loans collection, returns on shareholders. The operational efficiency performance indicators utilized in this study were: return on assets, earnings per share and proportion of non-performing loans. On the other hand, proportion of non-performing loans declined after the introduction of mobile credit indicating increased operational efficiency in debt collection. The introduction of mobile credit significantly enhanced organization efficiency as measured by metrics such by brand image building, ability to adapt to market changes and perceptions of reliability in the customer’s mind. Mobile credit introduction improved operational efficiency in commercial banks. Mobile credit introduction enhanced operational efficiency in loans collection, returns on shareholders. Overall, it has been accepted that the use of technology is one of the major strategies used to enhance operational efficiency. The findings of this study propose that the use of mobile credit has enhanced debt collection efficiency and revenue generation efficiency. en_US
dc.language.iso en_US en_US
dc.publisher Scientific Research Publishing Inc. en_US
dc.relation.ispartofseries Open Journal of Business and Management, 2018, 6, 833-849;
dc.subject Mobile Credit en_US
dc.subject Operational Efficiency en_US
dc.subject Commercial Banks en_US
dc.subject Kenya en_US
dc.title Effect of Mobile Credit on Operational Efficiency in Commercial Banks in Kenya en_US
dc.type Article en_US


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