The aim of the study was to investigate the challenges to regulation compliance by Deposit Taking Savings and Credit Co-operative Societies (D.T.S) in Kenya. Further, since the D.T.S are ranked according to size, the study analysed the compliance level in these groupings. The objective was to establish the relationship between management information systems and regulation compliance, and whether SACCO size moderated this relationship. The study recommends that SACCOs should have dynamic MIS system with regular upgrades. They should also consider integrating their BOSA and FOSA banking software with the SASRA reporting portal. Of importance as well is for SACCOs to carry out regular MIS training of staff. The study further recommends that SACCOs should benchmark with other financial institutions. To fill in the gaps that exist within the organization the study advices SACCOs to have in-house dedicated IT departments and also establish operational MIS policies. Lastly the study recommends that transparent procuring from reputable firms is required in SACCOs and where possible the regulator needs to accredit software vendors for the SACCOs. A sample of 139 respondents was selected using stratified random sampling but only 108 respondents were interviewed using the questionnaire method. The major finding from the study was that there is a relationship between management information systems and regulation compliance. The study further established that while management information systems influences regulation compliance, SACCO size has a significant moderating influence in this relationship.
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