Financial Innovation as an Alternative Delivery Channel and Financial Performance of Listed Commercial Banks in Kenya

Peter Musangi Ndwiga, Justus Nderitu Maina


The study aimed at assessing the effect of product innovation and process innovation on financial performance of listed commercial banks in Kenya. Data was collected using Qualtrics Survey Software with which online questionnaires were administered to the respondents. Collected data was analyzed using descriptive statistics and inferential statistics. The study concludes that financial innovation and financial performance are indeed correlated. However, it’s only process innovation that has a significant relationship with financial performance while product innovation showed no significant relationship. The researcher recommended that commercial banks should invest more on process innovation strategies and less on product innovation.

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ISSN (Paper)2222-1905 ISSN (Online)2222-2839

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