Factors Influencing Utilization of Biometrics in Private Banks in Mombasa County

Purpose: The overall goal of the research was to analyze factors influencing utilization of biometrics in the private banks in Mombasa County. Methodology: The study adopted a descriptive research design because it provided a clear outcome and the characteristics associated with it at a specific point in time. The target population for the study was 120 respondents from 20 private registered banks in Mombasa County. The study adopted stratified sampling method to select the respondents from the population. The study obtained primary data through a structured questionnaire. Responses in the questionnaires were tabulated, coded and processed using a computer Statistical Package for Social Science program. The relationship between the dependent variable and the independent variables were tested using multiple linear regression models. The data was analyzed and conclusions drawn. Descriptive and inferential statistics were used whereby the data was presented through tables Findings: The findings of the study showed that legal systems holds a positive linear relationship (r=0.412; p<0.01) and significant association with utilization of biometrics in private banks. Moreover, the results indicates a p-value of 0.003 which is less than 0.01 implying that the association is highly significant. Based on the research and analysis, the study concludes that legal systems, technology maturity, demographic factors, and staff competency have a significant effect on utilization of biometrics in private banks within Mombasa County. Unique Contribution to Theory, Practice and Policy: The research was anchored on technology acceptance model. To ensure efficient utilization of biometrics within private banks in Mombasa County, it is recommended that organizations follow established legislation. Subsequently, banks should update their staff on legislation surrounding biometrics use and security.