IJSSE - International Journal of Social Sciences and Entrepreneurship Upcoming Journals: International Journal of Innovation and Management (IJIM), International Journal of Engineering and Architecture (IJEA) & International Journal of Science and Agriculture | IJAE, IJEF & IJHRP Call for Papers - Forthcoming Issue (Decemer 2014). Submission deadline: 25th December 2014 |

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Ruth Mary Vutsengwa
Student, Jomo Kenyatta University of Agriculture and Technology

Dr. Karanja Ngugi
Lecturer, Jomo Kenyatta University of Agriculture and Technology



In Kenya, high proportion of population is excluded from access to financial sector with the situation being grave in rural areas. For majority of Kenya’s population, especially those living in rural areas, access to banking services has been almost non-existent. With the introduction of Mobile banking and Agency banking services in Kenya’s financial systems, affordable and convenient banking services continue to be availed to the large unbanked masses. This study aimed at investigating into factors affecting growth of agency banking in Kenya banking industry. The study sought to fill this knowledge gaps by discussing the following factors: security, scope of service allowed, Infrastructural supports and resources. This research problem used a descriptive research design. The population of this study comprised of all the agency banking outlets in Nairobi.  Data collected was both qualitative and quantitative and it was analyzed by descriptive and content analysis techniques. The descriptive analysis employed descriptive statistical tools such as SPSS and MS Excel which helped the researcher to describe the data and determined the extent used. The researcher will use both primary and secondary data.  Tables were used to summarize responses for further analysis and facilitate comparison. The qualitative data was analyzed using content analysis and presented in prose form. The study concludes that security and privacy implications for all stakeholders should be a prerequisite for sanctioning by the government. The study recommends that banks should embrace a good information security system for convenience, confidentiality, integrity, and availability, by doing this the value of the information will be sustained.

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