INTERNET BANKING AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN KAKAMEGA COUNTY; KENYA

Globally, financial innovation has taken tremendous steps for Kenyan commercial banks in the last decade; hence, internet banking as an practice institutions been very relevant. This attributed by complex growing demands from customers on daily basis, stiff competition competitors and more importantly have obligation of meeting their targets market also keep at par with even above them. Despite existence various research studies numerous literatures innovation, most still don’t access to needed information aspect so trending needs customers; therefore this adversely affects performance both short long run. The objective study was determine effect Internet Banking Kenya. Specifically, concentrated Kakamega County; applied descriptive Survey design target population members County. census technique since it manageable. data collection instrument included structured questionnaires. Computer software Statistical Package Social Sciences (SPSS 24) employed generate analyze order respond statistics; frequency, mean standard deviation. well used Inferential Statistics that led generation statistics correlation among variables. Regression analysis done results were based complying study. Conclusions had influence banks. recommendation Commercial Banks should embrace Practices improves Financial Performance Key words: Banking, Innovation, CITATION: Owino, M., & Miroga, J. (2023). Strategic Journal Business Change Management, 10 (1), 149 – 161.