May 7, 2025 Thesis Open Access

Hassen Mohammed Reshid

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  <identifier identifierType="DOI">10.20372/nadre:8897</identifier>
  <creators>
    <creator>
      <creatorName>Hassen Mohammed Reshid</creatorName>
    </creator>
  </creators>
  <titles>
    <title>EFFECTS OF FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF BANKS: EVIDENCE FROM SELECTED COMMERCIAL BANKS IN ETHIOPIA</title>
  </titles>
  <publisher>Zenodo</publisher>
  <publicationYear>2025</publicationYear>
  <subjects>
    <subject>Commercial bank, financial performance, financial technology, Return on Asset</subject>
  </subjects>
  <contributors>
    <contributor contributorType="Supervisor">
      <contributorName>MATEWOS K. (Ph.D)</contributorName>
    </contributor>
  </contributors>
  <dates>
    <date dateType="Issued">2025-05-07</date>
  </dates>
  <resourceType resourceTypeGeneral="Text">Thesis</resourceType>
  <alternateIdentifiers>
    <alternateIdentifier alternateIdentifierType="url">https://nadre.ethernet.edu.et/record/8897</alternateIdentifier>
  </alternateIdentifiers>
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    <relatedIdentifier relatedIdentifierType="DOI" relationType="IsVersionOf">10.20372/nadre:8896</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/wru</relatedIdentifier>
  </relatedIdentifiers>
  <rightsList>
    <rights rightsURI="http://www.opendefinition.org/licenses/cc-by">Creative Commons Attribution</rights>
    <rights rightsURI="info:eu-repo/semantics/openAccess">Open Access</rights>
  </rightsList>
  <descriptions>
    <description descriptionType="Abstract">&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;</description>
  </descriptions>
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