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The various benefits of e-loan application services that are implemented by institutions of high learning are linked to its adoption and usage. However, in countries that are in economically transiting state, the adoption rate of these services remains low. This therefore means that its benefits are yet to be fully realized. One of the main reasons for the slow adoption is that many governments have focused majorly on the technical supply-side factors, laying little prominence on the students' perspective of e-loan embracing. Hence little is known about the students' reactions to this new technology dispensation. The effect of this disparity is between what is provided and what is utilized. This paper utilized the Technology Acceptance Model and the signaling theory as pivotal frameworks in an effort to positively understand the factors that would influence the students' desire in using the loaning institutions websites for loan applications. We present the result of a study that was aimed at developing a model for e-loan service acceptance. This is an endeavor to bridge the gap that exists between the technical part of e-loan implementation and the students' perspective of using the offered services. We used the obtained necessities for the model from the investigations that we carried out to modify the Technology Acceptance Model. This new model places weight on student-based considerations for e-loaning. Our results give an insight for loaning institutions on the effective use of e-loaning services as a means of

Examining the Technology Acceptance Model for E-Loan Application Services among University Students in Kenya