| dc.description.abstract | This study examined how leveraging FinTech innovations enhanced adaptability at KCB Bank. The objectives of the study were threefold: first, to evaluate how the adoption of FinTech innovations improved operational processes at KCB; second, to identify the challenges faced in integrating FinTech innovations; and third, to propose solutions that could address these challenges and enhance effective integration, ultimately improving adaptability and performance at the bank. The research was conducted at KCB's headquarters, with a focus on the main branch located on Kampala Road. A cross-sectional research design was employed, and data were collected from 80 respondents using simple random and purposive sampling techniques. The findings revealed that 75% of respondents responded to questionnaires set .They agreed that FinTech innovations had significantly improved operational efficiency, with mobile banking and digital payments receiving the highest approval. Despite these successes, the study identified several key challenges, including regulatory constraints and cybersecurity risks, which were seen as significant barriers to integration. Legacy IT systems and resistance to change were also noted as moderate challenges, though less problematic. To address these issues, the study proposed several solutions, such as upgrading IT infrastructure, increasing investment in FinTech solutions, providing comprehensive training programs, enhancing regulatory compliance, and strengthening cybersecurity measures. Additionally, fostering collaboration with FinTech companies was recommended to facilitate smoother integration and improve service offerings at KCB. These recommendations aimed to enhance adaptability and performance by overcoming the challenges identified in the integration of FinTech innovations at KCB. | en_US |
