May 7, 2025 Thesis Open Access

Hassen Mohammed Reshid

MARC21 XML Export

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    <subfield code="a">Commercial bank, financial performance, financial technology, Return on Asset</subfield>
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    <subfield code="a">MATEWOS K. (Ph.D)</subfield>
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    <subfield code="c">2025-05-07</subfield>
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    <subfield code="a">EFFECTS OF FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF BANKS: EVIDENCE FROM SELECTED COMMERCIAL BANKS IN ETHIOPIA</subfield>
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    <subfield code="a">&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;</subfield>
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    <subfield code="a">10.20372/nadre:8896</subfield>
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