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The present research is designed to explore the implications of mobile banking technologies on the loan performance of Deposit-Taking Savings and Credit Cooperative Organizations (DT SACCOs) in Mombasa County from a unique perspective. The digital financial sector has been revolutionized by technical advancements such as mobile banking, which have allowed financial services providers to increase efficiency and meet customer demands. The study examined mobile banking technology from three distinct viewpoints: transaction volume, loan disbursement, and transaction cost, applying both a descriptive research approach and a linear regression model. Data was collected from 63 respondents, including members of the board of management as well as staff members of the six SACCOs that accept deposits located in Mombasa County. The descriptive results reveal that a large proportion of respondents are of the opinion that mobile banking technology has a substantial influence on the performance of the loan by DT SACCOs in Mombasa County. The regression analysis and hypothesis testing additionally indicated that mobile banking technology has a significant influence on loan performance. The study concludes that the adoption of mobile technology has a positive effect on the loan processes and procedures of DT SACCOs in Mombasa County. Therefore, the study recommends that DT SACCOs upscale their digital financial innovation, especially mobile technology, considering that the financial services industry is moving towards a digital environment. This will enable them to improve the performance of their loan portfolio and remain competitive in the market.
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