purpose of the study was to assess the credit management practice of Lion International S.C. The data were gathered from all staff of the head office Credit Management Department and twenty branch managers and customers’ relationship officer found in Nairobionly on the credit management practices of the bank in areas of securing credit facilities against collateral, credit management analysis/evaluation practice of the bank, concentration risk management practice of the bank and the practice of the bank’s credit follow-up and recovery. The questionnaire survey was undertaken among 65 employees of the bank and all were collected to assess the perception of credit management practices of the bank in relation to the above practices. Closed ended questions were used, particularly to reflect the views of the employees with regard to four practices.Descriptive research design with 5 levels Likert scale was used to measure variables of study. Data was analyzed through descriptive statistics, percentage and frequency using SPSS Version 20.0 software. The result from the survey shows that majority of the bank staff were explained their concern on weak collateral coverage of the bank loans, high concentration risk on export loan out of the total loan volume of the bank, weak credit analysis during approval and at same time poor follow-up and recovery activities. According to the survey the bank can reverse the potential risk by providing reasonable attention for collateral holding , developing moderate loan concentration between credit products, improving the competency of the credit follow-up and recovery division for quality loan management

This study has taken one of the current issues in the Kenyan banking industry: alternative channel banking. The objective of the study was to identify the challenges and opportunities of adopting electronic channel banking. The study was conducted on six private commercial banks. The banks were selected using stratified sampling technique. Data was collected by distributing questionnaire on a survey basis to the staff of the respected departments/divisions of the selected banks. Out of the distributed 92 questionnaires 87 of them were used in the study. The study used descriptive analysis to analyze the collected data. The results of the study showedthat; perceived ease of use, perceived usefulness, the fact that the Kenyan banking sector is adopting alternative channel banking late compared to developed countries and the fact that the 65 % of the population is between the age 15 and 54 (CSA, 2015) are opportunities for Kenyan private commercial banks to adopt alternative channel banking.It is also concluded that lack of awareness of the society about alternative channel banking; the security risk associated with using alternative channel banking; the constant interruption of power; absence of network between commercial banks; the underdevelopment of the telecommunication infrastructure of the country and the level of illiteracy of the society are challenges of adopting alternative channel banking for the Kenyan private commercial banks. Based on the findings commercial banks are recommended to create customer awareness; work with other commercial banks and government; enhance their infrastructure; develop customer customized system and associate motivating factors with the usage of alternative channel banking.

Abstract This study is conducted with Assessment of Opportunities and Challenges of E-Banking Service in CBE. The objective of this paper to assess adoption of E-banking in the Equity Bank banking services with respect to the challenges which can taking advantage of Ebanking system and expected opportunity derived by adopting the system. To acquire the intended information the researcher use different data collection instruments like distributing close-ended questionnaire, conducting interview. The collected data was analyzed by using descriptive analysis such as tables and percentages. Among the different opportunity that initiate banks to adopt e-banking services: Improving customer services, Facilitating the work to be done fast, helping to facilitate work with minimum error, Simplifying the activity of employees of the bank in the delivery of services to customers, Enhancing the image of the bank, improving efficiency, reducing paper work, reduces queues in the banking hall, Increasing Revenues of the bank, reduction of cost, and improves relationship with customers. It also investigated the major challenges for the electronic banking services in commercial bank of Equity Bank as of infrastructural, legal and regulatory, socio-cultural, and illiteracy related challenges. To address various challenges identified on the study, the study suggests a series of measures which could be taken by government as well as Equity Bank.

Over the last decade, there has been an increase in the number of money laundering and terrorist financing crimes across the globe. In a bid for authorities to control these criminal activities both locally and internationally, the Financial Action Task Force (FATF) 40+9 recommendations were established as a mechanism for identifying, combating and controlling money laundering activities. Kenya recently endeavored to combat money laundering and terrorist financing by criminalizing money laundering and financing of terrorism through proclamation no. 780/2013. In this regard, banks play a leading role as the main objective of the law is to ensure the integrity of the Kenyan financial system. Therefore, the purpose of this research is to assess the Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) practice and challenges of commercial banks in Kenya in accordance with international standards and applicable laws. This study employed exploratory and descriptive research design in the form of close ended questionnaires completed by 69 employees of Kenyan commercial banks. To assess the practice and challenges 48 questions were provided to the respondents to acquire quantitative data and eight close ended interview questions were also provided to accommodate opinions of FIC officials. Based on the respondents among the commercial banks' the study found that commercial banks in Kenya have been discharging their responsibilities by implementing and practicing AML/CTF. However, ML/TF preventive measures revealed that commercial banks do not have automatic electronic customer/transaction screening and the finding confirmed that absence of national ID and lack of list of Political Exposed Persons, lack of technology to enhance AML/CFT activities and lower awareness in the country are serious challenges for banks. Therefore EFIC and NBE and other responsible organs of the country have to focus their efforts on the most fundamental tasks and main challenges, and need to give utmost priorities about AML/CFT. Finally, as this study focuses on commercial banks, further research is needed on the other financial and nonfinancial sectors which are vulnerable to money laundering and terrorist financing.