One Industry. Transforming Kenya

After a successful inaugural Banking Research Conference in 2012, the Centre for Research on Financial Markets and Policy at the Kenya Bankers Association (KBA) launched the Working Paper Series (WPS) to disseminate preliminary findings of banking sector research sponsored by the Association. In 2012, of 10 papers presented, three were eventually published, and over the years, the number of papers has grown tremendously.

The KBA Centre for Research on Financial Markets and Policy sponsors researchers from various institutions, including but not limited to: Central Bank of Kenya; Strathmore University; Kenyatta University; Egerton University; International Monetary Fund; and the Kenya Institute for Public Policy Research and Analysis (KIPPRA), among others.

Papers presented during the 9th Annual KBA Research Conference in 2020 are being carried out going forward in a single volume to enable readers to explore all the papers under the same theme and thus benefit from the diversity of views presented therein.

Roseline Misati, Anne Kamau, Leonard Kipyegon and Lewis Wandaka

Is the Evolution of Fintech Complementary to Bank...

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Farida Abdul and Rodgers Ochenge

Do Mergers and Acquisitions Impact Bank Lending Behavior in Kenya?

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David Ndwiga

The Effects of FinTechs on Bank Market Power and Risk Taking Behaviour in Kenya

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Samuel Tiriongo and Peter Wamalwa

The Effect of Mobile Money on Banking Sector Stability in Kenya

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Samuel Kiemo and Anne Kamau

Banking Sector Competition and Intermediation Efficiency in Kenya

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Faith Atiti, Raphael Agung & Stephanie Kimani

Competition and Banking Sector Stability in Kenya

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Davis Bundi Ntwiga

Fintech and Banks Collaboration: Does it Influence Efficiency in the Banking Sector?

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Jared Osoro and Kiplangat Josea

Market Power and Intermediation Efficiency in Kenya: Blind Spots and Empirical Clarity

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Peter Wamalwa, Irene Rugiri and Julienne Lauler

Digital Credit, Financial Literacy and Household Indebtedness

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Philip Ngare

Analysis of the Coexistence of Conventional and Unconventional Credit Markets in the Agribusiness Sector in Kenya

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Tiriongo Samuel

Credit Allocation Schemes: Perspectives from Credit Providers and Regulatory Regimes in Kenya

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Samuel Kiemo and Camilla C. Talam

De-risking Opportunities for Banks: Examining Productivity of Sectoral Bank Credit Flows

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Davis Bundi Ntwiga

Can FinTech Shape the Dynamics of Consumer Credit Usage among the Un(der)banked?

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Lilian K. Nyamongo

Influence of Sustainability on Regulation and Credit Risk Management among Commercial Banks in Kenya

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Andrew Kioi Njeru

An Alternative Approach to Estimation of the Probability of Default for Commercial Entities: The Modified KMV Merton Model

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Jared Osoro and Kiplangat Josea

Credit Market Imbalances and Adjustments in Kenya

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Roseline Misati and Anne Kamau

Do Migrant Remittances Matter for Financial Development In Kenya?

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Caroline Kariuki, Gillian Kimundi and Steve Makambi

The Nexus between Financial Inclusion and Financial Stability: Credit, Savings and Asset Quality of Kenyan Banks

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Caspah Lidiema

Intra-Market Linkages in the Financial Sector and their effects on Financial Inclusion

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Habil Olaka, Peter Lewa & Peter Kiriri

Strategic Leadership and Strategy Implementation in Commercial Banks in Kenya

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Jared Osoro & David Muriithi

Financial Inclusion: How do you know that you are there?

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Deborah Kemunto Momanyi

Influence of Financial Regulation in Kenya on Financial Inclusion: A Case Study of the Banking Industry in Kenya

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Davis Bundi Ntwiga

Credit Risk Analysis for Low Income Earners

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Rogers Ochenge & Samuel Tiriongo

Gaps from the Cap: Implications for Financial Inclusion in Kenya

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Caspah Lidiema

Effects of Government Borrowing on Private Investments in Kenya

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Ferdinand Othieno and Caroline Kariuki

Sectoral Risk and Return: Implications on Commercial Banks' Credit Expansion in Kenya

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Tiriongo Samuel and Faridah Abdul

Policy Innovations and Sectoral Credit Expansion in Kenya

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Camilla Chebet

Price Channel versus Quantity Channel: The Relationship between Government Domestic Borrowing from Commercial Banks and Private Sector Credit in Kenya

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Steve Makambi, Reuben Muhindi and Gillian Nduku

Influence of Bank Lending to the Government on Private Sector Credit in Kenya: A Fiscal Deficit Specification

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Jared Osoro and David Muriithi

The Interbank Market in Kenya: Picking the Distress Signal from the Treasury Bills' Market

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Paul Kamau

Commercial Banks and Economic Infrastructure PPP Projects in Kenya: Experience and Prospects

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Wahida Mohammed

Islamic Banking and Economic Infrastructure Development - Kenya's Prospects

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Misati Roseline and Kamau Anne

Local and International Dimensions to Credit Provision by Commercial Banks in Kenya

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Philip Ngare, Martin Kweyu & Chris Huka

Modelling Risk of Financing Agribusiness in Kenya

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Dr. Peter A. Makachia

Innovative Financing for Housing in Sustainable Growth

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Francis Kariuki

Sustainability in the Financial Sector in Kenya

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Jared Osoro and Evans Osano

Bank-based Versus Market-based Financial System: Does Evidence Justify the Dichotomy in the Context of Kenya?

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Lucas Njoroge and Shem Ouma

Determinants of Banks Expansion in the East African Community Determinants of Banks Expansion in the East African Community:

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Odongo Kodongo and Dinah Natto

The Drivers of Cross-border Banking Expansion: Evidence from East Africa The Drivers of Cross-border Banking Expansion:

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Joy Malala

An Examination Of The Fragmented Legislation and The Complexities It Presents For Mobile Payments

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Tonny K. Omwansa and Timothy M. Waema

Deepening financial inclusion through collaboration to create innovative and appropriate financial products for the poor

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Ragnar Gudmundsson, Kethi Ngoka-Kisinguh and Maureen Teresa Odongo

The Role of Capital Requirements on Bank Competition and Stability:

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Maureen Were and Joseph Wambua

Assessing the determinants of interest rate spread of commercial banks in Kenya: An empirical investigation

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Mary Karumba, Martin Wafula

Collateral Lending :Are there Alternatives for the Kenyan Banking Industry? Collateral Lending:

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Josephat Mboya Kiweu

Income Diversification in the Banking Sector and Earnings Volatility: Evidence from Kenyan Commercial Banks

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Moses Muse Sichei, Samuel Kiplang'at Tiriongo and Chris Shimba

Segmentation and Efficiency of the Interbank Market in Kenya

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