Daniel Orucho - Academia.edu (original) (raw)

Uploads

Papers by Daniel Orucho

The purpose of this study was to examine consumer perceived risk of internet banking and adoption... more The purpose of this study was to examine consumer perceived risk of internet banking and adoption in Kenya with reference to three selected banks and suggest possible solutions to enhance customer satisfaction. Objectives of this study were to; examine factors that influence adoption of internet banking in the three selected commercial financial institutions, determine the extent of use of internet banking services by customers in the three selected banks, find out challenges facing use of internet banking by customers in the selected banks and find out solutions to the challenges that hinder consumers in the use of internet banking services in the selected banks. This was a quantitative and descriptive survey of the three selected banking institutions. Data was collected using questionnaires that were distributed using lead people in the respective banks. The questionnaires were structured with both open ended and closed ended type of questions. Data was analyzed using Microsoft excel and presented using charts and tables. A total number of 150 respondents were used for this study. The study established that young adults are mostly involved in the use of internet banking services. The study established the extent of use of internet banking by customers with the majority using internet banking services for inquiries, withdrawals and deposits. The study found out challenges hindering use of internet banking services by customers as slow network connection, network failure, poorly designed websites and unavailability of services during website maintenance. In order to promote use of internet banking services, there is need for banking organizations to launch awareness campaigns to customers by alleviating fear to issues such as lack of privacy and security of customer's information through advertisements as well as promotions could be held at bank branches to offer prizes to customers who sign and use internet banking services. The rapid development of internet banking has created a competitive environment for financial institutions offering internet banking. Internet banking enables customers to perform financial transactions via the internet at any time and from anywhere and thus saving time. Banks also benefit from reduced operational cost by adopting internet banking.

Asian Journal of Research in Computer Science

The advent of mobile banking applications has transformed the way customers’ access banking servi... more The advent of mobile banking applications has transformed the way customers’ access banking services from brick-and-mortar to remote banking. The ubiquitous nature of this innovation has encouraged its adoption. This is because of improved banking services and accessibility to the services on a 24/7 basis using the internet. However, mobile banking applications are susceptible to numerous security threats and vulnerabilities that adversaries take advantage of to siphon money from bank customers. The aim of this study is to design and evaluate least significant bit and advanced encryption standard cryptography (LSB-AES) hybrid algorithm to protect data on transmission in mobile banking. This study employs data science research design, and performance evaluations demonstrated through simulations using MATLAB. Findings of this study can be applied to banks offering mobile banking across the world. This study utilized six color images from University of Southern California’s Signal and ...

Financial resources are an important component in successful strategy implementation. This study ... more Financial resources are an important component in successful strategy implementation. This study sought to assess the effect of financial resources on successful strategy implementation in public universities in Kenya with emphasis on universities in Nairobi County. Nairobi County has four public universities: Co-operative University, Multimedia University, Technical university of Kenya and University of Nairobi. This study targeted a total population of 1,304 employees from Cooperative University, Technical University and Multimedia University comprising of senior management, middle level management and lecturers. Purposive sampling was used to select the three public universities because the universities are relatively new and are struggling with financial resources to implement their strategic plans. A sample size of 102 respondents was chosen and through simple random sampling 5 respondents was chosen from senior level management, 18 respondents from middle level management and ...

Thesis Chapters by Daniel Orucho

INTERNATIONAL JOURNALS OF ACADEMICS & RESEARCH, 2019

Financial resources are an important component in successful strategy implementation. This study ... more Financial resources are an important component in successful strategy implementation. This study sought to assess the effect of financial resources on successful strategy implementation in public universities in Kenya with emphasis on universities in Nairobi County. Purposive sampling was used to select the three public universities. Questionnaires were used to collect data. Cronbach alpha was calculated using split half method. A Cronbach alpha value of 0.946 confirmed reliability of data collection instruments (Zikmund, 2013). Analysis of data was done using descriptive statistics, that is, means and standard deviation. To test relationships between study variables, simple linear regression was used. To test for statistically significant differences in the null hypothesis, ANOVA was used. The study revealed that the universities did not get timely allocation of financial resources, the universities provided a budget to faculty for implementation of strategic objectives, and the universities had adequate budget to implement strategic objectives. This study recommends that the government should allocate financial resources to public universities in good time and public universities in Kenya should come up with business ideas that can generate income for the universities.

Asian Journal of Research in Computer Science

INTERNATIONAL JOURNALS OF ACADEMICS & RESEARCH, 2019

Financial resources are an important component in successful strategy implementation. This study ... more Financial resources are an important component in successful strategy implementation. This study sought to assess the effect of financial resources on successful strategy implementation in public universities in Kenya with emphasis on universities in Nairobi County. Purposive sampling was used to select the three public universities. Questionnaires were used to collect data. Cronbach alpha was calculated using split half method. A Cronbach alpha value of 0.946 confirmed reliability of data collection instruments (Zikmund, 2013). Analysis of data was done using descriptive statistics, that is, means and standard deviation. To test relationships between study variables, simple linear regression was used. To test for statistically significant differences in the null hypothesis, ANOVA was used. The study revealed that the universities did not get timely allocation of financial resources, the universities provided a budget to faculty for implementation of strategic objectives, and the universities had adequate budget to implement strategic objectives. This study recommends that the government should allocate financial resources to public universities in good time and public universities in Kenya should come up with business ideas that can generate income for the universities.