The proliferation of the mobile phone technology in Kenya and in general Sub Saharan Africa did open new possibilities to enhance the quality of life for the masses. Mobile phones helped to connect people at all levels of the society; urban, rural, rich, poor etc. The benefits accruing from this...

Financial liberalization and technology revolution have allowed the developments of new and more efficient delivery and processing channels as well as more innovative products and services in banking industry. Banking institutions are facing competition not only from each other but also from...