Kennedy Githua^1,, S. Makau A. Muathe¹

The deposit-taking SACCOS experienced slow growth, with a marginal decrease in total assets from 10.31% in 2022 to 9.17% in 2023. In addition, the gross loans had a marginal decrease from 11.76% recorded in 2022 to 11.50% in 2023. The large tiered deposit-taking SACCOS with assets exceeding Kshs 5 billion rose from 42 in 2021 to 47 in 2022 and from 47 in 2022 to 53 in 2023. This study examined the effect of internet banking, mobile banking, automated teller machines, and credit cards on the performance of deposit-taking SACCOS. The research was anchored on resource-based view, dynamic capabilities theory, the technology-organization-environment framework, and the Technology Acceptance Model theory. Descriptive designs were employed and the target population included all 42 deposit-taking SACCOS situated in Nairobi however a sample size of 156 was selected using stratified random sampling techniques. Pilot test was carried out involving sixteen (16) respondents. The validity will be determined. Reliability of the study instrument was tested using Cronbach's alpha coefficient, with a threshold of 0.7. Descriptive and inferential statistics were employed to analyze quantitative data. The analysis indicated that internet banking, mobile banking, automated teller machines, and credit cards significantly improved the performance of deposit-taking SACCOs. The study recommends that the SACCO Societies Regulatory Authority and relevant stakeholders develop and implement a national Digital Transformation Policy Framework for SACCOs to support the adoption of internet banking platforms.

Digital Financial Inclusion Strategy, Performance, Deposit Taking SACCOs, Kenya