Mobile banking offers several benefits to financial sectors, including convenience in terms of time, money and effective customer relationship management. However, illegal actions in the digital age have altered the mode banks operate. It has sparked interest in mobile banking. The expansion of mobile banking fraud especially SIM swapping, hacking identity theft, social engineering, denial of service attack and account take over have created various challenges to financial sectors. The perceived criminal actions are due to continuous growth of mobile banking and computer networks. The identified challenges of rise in mobile financial fraud are due to lack of a proper framework to manage the fraud comprehensively among stakeholders. This study investigated fraud management in the Kenyan financial sector. The study used mixed research methodologies using descriptive and inferential analysis. The developed framework was informed by Fraud Triangle Theory (FTT), Routine Activity Theory (RAT), Fraud Management Lifecycle Theory (FMLT) and Deterrence Theory (DT). The findings confirmed that the fraud triangle and deterrence theories are very instrumental when applied to mobile fraud management. Finally, the result of findings will have significant implications not only to academic researchers but likewise for financial institution policymakers and anti-fraud organizations in both the commercial and governmental sectors. KEY WORDS: Fraud management, Banks, Financial services, Framework, Mobile banking, Central Bank of Kenya (CBK), Fraud theories, Fraud principles, Effective, SIM Swap, Customers.
Objectives: Many factors affect adoption of health information systems, user involvement and satisfaction are some of the main factors of user adoption of health information systems. Despite the benefits due to social, cultural, organizational and technological factors some of the benefits become complex and difficult to achieve in practice. Both users and development team lack time due to busy schedules, sometimes disagreements between the users and the project team to reach concurrence, user at time might lack the necessary skills and knowledge to effectively participate in the design process. This study will investigate the user involvements and satisfaction levels of health information systems during the design and development phase. Methods: Cross sectional survey was utilized. Several existing tools were modified and used for the study namely Patient Satisfaction Questionnaire, Usefulness, Satisfaction, and Ease of use (USE) Questionnaire and Purdue Usability Testing Questionnaire. Structured equation models (SEM) analysis was used in the analysis. Ordinal regression statistics was used. Results: User involvement and satisfaction measure as the dependent variable and the user participation during the design and development of the health information systems as the independent variables. For every one unit increase in independent variable there is a predicted increase (of a certain amount) in the log odds falling at a higher level of the dependent variable. Generally showing that as scores increase on the independent variables, there is an increase probability falling at a higher level on the dependent variable.Conclusions: User involvement and participation has positive impact on the satisfaction levels of users during the design and development of the health information system.
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