E-commerce had gradually affected the operations of the business and companies especially in the banking sector. The objective of study was to establish the effect of mobile banking on financial performance of commercial banks in Eldoret town. The study adopted innovation diffusion theory. The study adopts descriptive research design. The studies target 32 operational managers of commercial banks in Eldoret. The study used questionnaires. The data obtained was coded, organized and analyzed using SPSS. The inferential statistics involved the use of correlation analysis. Data was presented in form of tables. The mobile banking had significant influence (r =0. 781) on financial performance. The mobile banking had enhanced easy borrowing of loans using the phones hence increasing loaning in the banks and improved financial performance. The Central Bank of Kenya (CBK) should come up strategies decisions which monitor mobile banking transactions in order to reduce fraud and improve mobile banking in commercial banks.

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The purpose of this study was to determine the effectiveness of credit appraisal on management of Non-Performing Loans in Kenyan Commercial Banks. The specific objectives were to determine the effect of borrower’s income, credit rating, credit history and collateral issued on the management of non-performing loans recorded in corporate, business and personal sections of Kenyan Commercial Banks. The study was guided by the Theory of Information Asymmetry and Credit Scorecard Theories. An explanatory research design was adopted, using simple random and stratified sampling techniques in the collection of data. Data was collected from a sample size of 222 credit officers working in 41 commercial Banks in Kenya by use of self-administered questionnaires. Cronbach alpha and factor analysis were applied to test the reliability and validity of the research instruments respectively. A multiple regression model using SPSS (version 23) was used to analyze the obtained data and test the hypotheses. The findings revealed that credit appraisal (ꞵ= .302) had a positive and significant effect on the management of Non-performing Loans. Based on the new findings, the management of commercial banks and policymakers should develop effective credit appraisal strategies, policies and techniques that make borrowing affordable hence attracting credit-worthy borrowers to the banks.

The Hustler Fund, as a form of digital finance exploring mobile money, has received considerable amounts of praise and criticism almost in equal measures, notwithstanding the material determination behind its creation or the noble intentions of its architects. Though ingeniously crafted, publicized, and adorned into the hearts of Kenyans during the campaign period, that political phase has long elapsed. Promulgated at the end of 2022 amidst pomp and colour, Kenyans were excited that, eventually, the fund was here, and the uptake was unprecedented. Just like for any other innovation, feedback comes in fast, both positive and negative. Some praised the Hustler fund immensely, while others did not have many kind words. All this was in the heat of the moment, a demonstration of general perceptions, not sufficient to make a resolute deduction on the Hustler fund. That wave has finally settled. Time for monitoring and evaluation now, followed by improvement. The hard work has just begun. This paper undertakes an assessment of the effect of the implementation of Hustler Fund on the economic empowerment of recipients in Uasin Gishu County. Eldoret town provided the sample for the study. The end-game is to identify strengths, weaknesses, opportunities, and threats to the evolving Hustler fund.