The adoption of digital financial services has been identified as a critical factor in improving financial performance and operational efficiency among SACCOs. Despite the growing integration of mobile banking in Kenya, financial institutions, including SACCOs, continue to face challenges in optimizing financial performance. This study examined the role of Mobile banking in enhancing the financial performance of SACCOs in public universities in the South Rift Region, Kenya, guided by the Technology Acceptance Model (TAM). An explanatory research design was employed, targeting 160 SACCO employees in leadership roles, from which a sample of 48 respondents was selected using stratified random sampling. Data collection was conducted using structured questionnaires, and analysis was performed using descriptive statistics (percentages and means) and inferential statistics (correlation and regression analysis). The findings indicated a strong positive relationship (β = 0.786, p < 0.05, R² = 0.618) between mobile banking and SACCO financial performance, emphasizing the crucial role of mobile banking in improving accessibility, transaction efficiency, and revenue generation. The study recommends that SACCOs invest in mobile banking infrastructure, enhance user awareness programs, and implement strategies to address potential adoption barriers such as system reliability and network accessibility. These efforts will ensure that SACCOs fully leverage Mobile banking to improve financial outcomes and service delivery.