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ABSTRACT
Examining the relationship between agency banking and customer happiness was the primary goal of this research. Many Kenyan banks failed in the 1990s, causing a period of instability in the country's financial industry. Commercial banks have embraced agency banking, which allows customers to access financial goods at outlets near them via ATMs, mobile banking, and the internet, in an effort to cut operational expenses. It has the potential to lower transaction costs and the banks' own overhead, making basic financial services more accessible by lowering the time and travel to the closest retail bank branches. Finding out how easily accessible, dependable, and efficient agency banking services are on consumer satisfaction was the driving force for this research. A descriptive research approach was used in the study. A total of five hundred and fifty people in Eldoret Beach who were equity bank agents were the intended participants. This study relied on secondary sources, such as books, e-books, websites, unpublished academic papers, etc.