A Strategic Model for Technology Deployment Decisions (TDSDM): Evaluating the Nexus between Deployment Strategies and Performance Outcomes in Kenya’s Commercial Banks

The Technology Deployment Strategy Decision Model (TDSDM) is an innovative analytical framework designed to assess the impact of technology deployment strategies on the performance of commercial banks in Kenya. By integrating three core independent variables Technology Integration Practices, Scalability of Technology Deployment, and Efficiency of Technology Management with Industry Regulations as a moderating factor, the TDSDM evaluates their influence on key performance metrics such as profitability, operational efficiency, and customer satisfaction. Utilizing a multi-method approach that combines regression analysis, decision graph modeling, and interactive visualizations, the model accounts for structural differences across bank tiers (Tier 1, Tier 2, and Tier 3). Empirical findings reveal that Technology Integration significantly drives performance in Tier 1 banks, Scalability is critical for Tier 3 banks, while Efficiency has a marginal effect in Tier 2 banks. Regulatory moderation was found to be statistically nonsignificant, suggesting robust deployment strategies yield benefits irrespective of regulatory intensity. The TDSDM provides actionable, tier-specific recommendations, supported by rigorous statistical validation and visualization tools, to optimize technology strategies in Kenya’s dynamic banking sector.