Factors affecting the adoption of internet banking by public institutions in the education sector

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dc.contributor.authorOgeto, L. K.
dc.date.accessioned2026-02-05T15:33:04Z
dc.date.available2026-02-05T15:33:04Z
dc.date.issued2020
dc.descriptionFull - text undergraduate research project
dc.description.abstractInternet banking adoption as digital banking service platform is actually on the rise globally as most of the population want a banking service that is more convenient to them as opposed to the traditional 'brick and mortar' system. The purpose of this study was to examine the factors affecting the adoption of internet banking amongst public institutions in the education sector. The researcher opted to use a research framework that employed three theories namely; Theory of Perceived Risk, the Technology Acceptance Framework and the Innovation Diffusion Theory. The study was conducted amongst city 10 city campuses located in the Nairobi Central Business District, where questionnaires were distributed to the relevant financial officers. The data collected was then analysed using Microsoft Excel and tables where such techniques as Descriptive Statistics and Multiple Regression analysis were used. It was discovered that 100% of the organizations had already adopted Internet Banking and they have subsequently continued using the service for their organization's banking needs. The models used only explain about 5% of the variance in internet banking probably because of the fewer number of respondents. The technology acceptance model was found to be a positive predictor of internet banking adoption, the perceived risk factors a negative predictor of internet banking adoption while the innovation diffusion factors a positive predictor of internet banking adoption amongst the public institutions located in the Nairobi CBD. When conducting the research, the researcher aimed to fill the gap existing on the factors that would affect the adoption of internet banking and continued usage of internet banking. Therefore, such policy makers as the government, the Kenya Bankers' Association and the Central Bank of Kenya should institute stringent measures to curb any form of cybercrimes in order to increase the consumption of the internet banking service even amongst other customers of commercial banks. The researcher therefore recommends that other studies be carried out using other behavioural models so as to be able to identify other factors that may affect the adoption of internet banking. This is because the overall models employed by the researcher in this study only explained about 5% of the total variance in internet banking adoption amongst public institutions in the education sector in Kenya.
dc.identifier.citationOgeto, L. K. (2020). Factors affecting the adoption of internet banking by public institutions in the education sector [Strathmore University]. http://hdl.handle.net/11071/16073
dc.identifier.urihttp://hdl.handle.net/11071/16073
dc.language.isoen
dc.publisherStrathmore University
dc.titleFactors affecting the adoption of internet banking by public institutions in the education sector
dc.typeThesis
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