INFRASTRUCTURE OF ONLINE BANKING IN COMMERCIAL BANKS: CASE OF KERICHO, KENYA

This research seeks to assess the infrastructure of Online Banking in Commercial Banks: case of Kericho, Kenya. The specific objectives were: To determine the effect of Capacity of IT Infrastructure, to establish the effect of ATM use and to examine the effect of internet access of Online Banking in Commercial Banks in Kenya. Data was collect by Questionnaire, which was adopted from a thesis. Sample size was 154 and target population was 249. Data was analyzed using by descriptive and inferential statistics. Multiple regression analysis method was used in testing relationships among variables. Findings indicate that: there was strong relationship between Capacity of IT Infrastructure and ATM use but a fluctuating, unreliable effect on internet access among the employees in Kericho. ATM use as an infrastructure was the best loaded compared to other two predictors in support of Online Banking. Conclusion: Mobile Network Operation was the least performed. Recommendations: Banks needs to focus on attention at a lower cadre of employees in both private and employees, commercial banks need to carry out training on basic IT knowledge in collaboration with local tea producers, to harness further research of the Capacity of IT Infrastructure.