To Strengthen the Cybersecurity Posture of SACCOs in Kenya by Assessing Current Practices, Developing a CTI Sharing Platform, And Formulating Supportive Policy Guidelines

Abstract

The study investigated to strengthen the cybersecurity posture of SACCOs in Kenya by assessing current practices, developing a CTI sharing platform, and formulating supportive policy guidelines and was based on the following research objective: Creating a platform for sharing Cyber Threat Intelligence (CTI). The research was based on the following research questions: What design and implementation strategies would make a CTI sharing platform viable for SACCOs? The study was based on the Diffusion of Innovations (DoI) Theory developed by Everett M. Rogers in 1962 which explains how, why, and at what rate new ideas and technology spread through cultures, institutions, or organizations and is highly applicable to the design and adoption of a CTI platform because it focuses on how innovation is communicated, the factors influencing adoption, and the roles of various stakeholders issues central to implementing CTI among financial cooperatives like SACCOs. The study targeted 20 Saccos, 120 ICT staffs and 5Management Heads. Census sampling was used to select all the Saccos, the Management Heads and ICT Staff. Anova was used for inferential statistics. Questionnaires and focus group discussions (FGDs). The questionnaires served as structured tools for gathering quantitative data, while the b) from ICT staff while FGDs were used to obtain qualitative insights and more in-depth perspectives on SACCO operations and the challenges they face from Management Heads. This combination allows for a comprehensive understanding of the research subject. Findings  indicated Table 3 shows that there was a statistically significant difference between groups as determined by one-way ANOVA (F(4,114) = 18.348, p=.000), (F(4,114) = 15.794, p=.000), (F(4,114) = 12.643, p=.000).Out of the 10 factors used to investigate Creating a platform for sharing Cyber Threat Intelligence. All of them show that there was a strong significance implying that Creating a platform for sharing Cyber Threat Intelligence of Saccos has some influence on improved Cyber security posture.The study recommended: The rollout of the CTI platform should be phased starting with willing SACCOs for pilot testing and refine based on feedback before broader implementation and smaller SACCOs should be supported through partnerships or donor subsidies. Regular cyber briefings, joint simulation exercises, and quarterly feedback sessions should be institutionalized to promote SACCO cooperation.

Keywords: Assessing Cybersecurity posture, CTI sharing Platform, SACCOs

DOI: 10.7176/ISDE/15-05

Publication date: September 30^th 2025