Kisotu David Melubo|Salome Musau
Digital Banking and Financial Inclusion of Women Enterprises in Narok County, Kenya
Kenyatta University|Kenyatta University
financial inclusion important step development access finances help women build money lift poverty lack financial inclusion among women narok county one many factors leading financial exclusion introduction digital banking remedy problems financial inclusion women contributes immensely empowering digital banking kenya characterized rapid technological change finance sector led development mobile banking online banking atms agency banking banking sector undergone substantive transformation particularly year 2007 study sought establish effects digital banking financial inclusion women enterprises narok county kenya financial inclusion includes provision affordable financial services includes access payments remittance facilities savings loans insurance services formal financial system tend excluded study anchored finance growth theory financial asymmetric theory study used descriptive research design data collected target population 184 women owned enterprise narok county kenya study census sampling adopted population included study since number target population 184 primary data collected using semi structured questionnaire administered women business owner face face interviews collected data analysed using descriptive statistics methods mean mode median standard deviation percentages frequencies inferential statistical methods included multiple regression analysis used establish relationship among variables established digital banking services significantly positively influenced financial inclusion women enterprises narok county study concluded agency banking mobile banking online banking atm services significantly influenced access use banking services locally based women enterprises narok county concluded women enterprises adequately use online banking due limited literacy level computer proficiency internet availability study recommends available financial sector players narok county needs sensitize smes especially womenowned ensure aware digital services available loop enhance financial inclusion study recommends available digital banking providers need improve formation groups among users services enable improve usability study recommends women enterprises managers proprietors need groups develop assist access use improve digital banking financial inclusion