SCIRP Mobile Website
Paper Submission

Why Us? >>

  • - Open Access
  • - Peer-reviewed
  • - Rapid publication
  • - Lifetime hosting
  • - Free indexing service
  • - Free promotion service
  • - More citations
  • - Search engine friendly

Free SCIRP Newsletters>>

Add your e-mail address to receive free newsletters from SCIRP.

 

Contact Us >>

WhatsApp  +86 18163351462(WhatsApp)
   
Paper Publishing WeChat
Book Publishing WeChat
(or Email:book@scirp.org)

Article citations

More>>

Fister, S. (2016) Banking on Mobile. PM Network, 30, 28-37.

has been cited by the following article:

  • TITLE: Effect of Mobile Credit on Operational Efficiency in Commercial Banks in Kenya

    AUTHORS: Koki F. Kinyanzui, George Achoki, Peter Kiriri

    KEYWORDS: Mobile Credit, Operational Efficiency, Commercial Banks

    JOURNAL NAME: Open Journal of Business and Management, Vol.6 No.4, August 31, 2018

    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.