Globalization, collaboration and wireless technologies have led to stiff competition. As a result, commercial banks have generally adopted the use of e-commerce products and services in their delivery of services to customers. This study's main objective was to explore the challenges faced and benefits that accrue from adoption and usage of e-commerce products and services banking by commercial banks in Kenya. A survey was carried out to achieve the envisaged aims of the study. A total of 100 questionnaires were distributed however only 70 banks responded. Overall, research showed that while the majority of the banks in Kenya have adopted e-commerce products and services, usage levels have remained relatively low, as not many customers are using this innovation in Kenya.To establish benefits and challenges in the adoption and usage of e-commerce, 32 variables were used to measure the level of application among these banks. These variables were analyzed using factor analysis procedure and in order to achieve a simple and meaningful structure, that is, have a nonzero loading of the explained variance for each individual factors, varimax rotation was done. As a result, 10 critical factors were established as the best practices which include: improved customer service, reduced number of customers in the banking hall, reduced operating costs and increased market share. The challenges faced in the adoption of e-commerce products and services include compatibility with existing legacy systems, cost of implementation and security concerns ranked high, ensuring desired levels of security and privacy. Unreliable telecommunication as well as lack of legislation governing e-commerce transactions rated highly.

The identification of Information and Communication Technology (ICT) as an essential tool for sustainable development has proved to be worth every investment. As a result of this, Internet usage in Kenya has grown rapidly resulting in the explosion of Internet Service Providers (ISPs) and Internet access points. The general objective of this study was to model the impact of Cybercrime on security in Kenya, Nairobi as the case study. This was a census study on modeling the effects of Cybercrime on the security in Nairobi. Thirty one (31) out of the ϐifty one (51) responded giving a response rate of 60.78% percent. It was found that the Cybercrime is prevalent in Nairobi although largely unreported. To a great extent, it was discovered that Internet Service Providers had established basic measures in order to curb the growing cyberspace crimes; as spamming activities remain prevalent in Kenya. Also, to a great extent the Criminal Investigation department (CID) and Communications Commission of Kenya (CCK) have recognized that cybercrime is a growing threat to security in Nairobi and have collaborated with ISP's to implement measures.

The recent developments in the Information Communication Technology (ICT) have been received with great interest in research and practice by the banking community the world over. There began to appear theoretical arguments regarding the role of information technology (IT) in creating the value chain at firms and this opened up new lines of inquiry. This paper was a survey on the business value of information communication technologies in the financial departments of commercial banks in Kenya. In recognizing the significance of ICT in economic stability and growth of a country, it should not be lost on the consumers of the technologies that risks abound in every opportunity. It has also been noted that the pace of legislating the sector much of the time is overtaken by technological advancements that are directly linked to the banking sector. The research findings and recommendations are therefore expected to assist in building into the ICT and business value at departmental level, as a body of knowledge. Data was collected from a population that comprised of forty-four commercial banks incorporated and, or licensed to operate in Kenya by 2007. It was found that the two commonly used technological tools in cash management in the finance department are the financial software and e-banking. Also, the five key economic benefits of the information communications technology and innovations that have accrued to the commercial banks in Kenya at their finance departments include: ICT use has ensured proper management of account balances at value dates; ICT has helped in the monitoring and optimization of the sales-cash circuit; ICT has led to system responsiveness to changing user needs; and ICT has helped in the coverage of exchange-rate risk. Key words: facets, benefits, information communications technology, commercial banks and Kenya.