May 7, 2025 Thesis Open Access

Hassen Mohammed Reshid

DCAT Export

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        <foaf:name>Hassen Mohammed Reshid</foaf:name>
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    <dct:title>EFFECTS OF FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF BANKS: EVIDENCE FROM SELECTED COMMERCIAL BANKS IN ETHIOPIA</dct:title>
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    <dcat:keyword>Commercial bank, financial performance, financial technology, Return on Asset</dcat:keyword>
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        <foaf:name>MATEWOS K. (Ph.D)</foaf:name>
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    <dct:description>&lt;p&gt;Abstract&lt;/p&gt; &lt;p&gt;Financial technology is provided as a new form of monetary service traded that merges&lt;br&gt; information technology with fiscal service similar to payments, remittance, and also the&lt;br&gt; management of assets. The purpose of this study is to investigate the effect of financial&lt;br&gt; technology (automated teller machine, mobile banking, Internet Banking, point of sale terminals,&lt;br&gt; debit cards and networked bank branch) on the financial performance of commercial banks in&lt;br&gt; Ethiopia. To achieve this objective explanatory research design with a quantitative approach&lt;br&gt; was used. The study fully employed secondary data from the period 2013-2022. Collected data&lt;br&gt; from purposively selected 13 privately owned commercial banks audited financial statement and&lt;br&gt; by using STATA software packages analyzed through descriptive statistics and regression&lt;br&gt; analysis methods. The study employed a random-effect model as confirmed by the Hausman test.&lt;br&gt; . The study found that point of sale terminals (&amp;beta; =5.14e7 prob. = 0.013), and number of internet&lt;br&gt; Banking NIB (&amp;beta; =2.22e13 prob. = 0.051). Whereas, mobile banking (&amp;beta; = -1.56e13 prob. =&lt;br&gt; 0.052) and networked bank branch (&amp;beta; = -5.29e06 prob. = 0.004) has a negative and statistically&lt;br&gt; significant effect on Commercial banks&amp;rsquo; financial performance. On the other hand, automated&lt;br&gt; teller machine (&amp;beta;= -3.74e07 prob. = 0.456) and debit card (&amp;beta; = -4.38e13 prob. = 0.241) was&lt;br&gt; found to be negative and statistically insignificant. Based on the findings of the study, it is safe to&lt;br&gt; conclude that financial technology has a significant effect on the financial performance of&lt;br&gt; commercial banks in Ethiopia.&lt;/p&gt;</dct:description>
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