Electronic Funds Transfer and Service Delivery in Saccos: A Case Study of Ng’arisha Sacco, Bungoma Kenya

Electronic funds transfer is generally expected to improve efficiency in transfer, payments, reporting, receipting and thus service delivery any organization. However, SASSRA reports of 2018 show that despite Sacco’s having institutionalized electronic operations their accounting process, effectiveness remains elusive most aspects. The main objective was determine the effect on Ng’arisha Sacco, Bungoma Kenya. research guided by Schumpeter’s theory innovation technology acceptance model. This study embraced descriptive survey design. had a target population 127. Census sampling used where entire targeted sampled. Data gathered using questionnaires with closed-ended structured questions were prepared five-point Likert scale. Statistical Package for Social Sciences (SPSS) version 26 software utilized data analysis. analysed form inferential statistics. hypothesis posited H01: E-funds has no significant Saccos. Thus, model so null rejected ground moderate strong positive linear correlation Based discoveries, it pints Sacco industry, crucial. As result, there link between e-funds practices SACCO delivery. recommends that, Saccos should employ enhance