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Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector
The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study...
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| Format: | Thesis |
| Language: | English |
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Graduate School of Business (GSB)
2021
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| _version_ | 1867613268721270784 |
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| access_status_str | Open Access |
| author | Munyengeterwa, Karyn |
| author2 | Alhassan, Abdul Latif |
| author_browse | Alhassan, Abdul Latif Munyengeterwa, Karyn |
| author_facet | Alhassan, Abdul Latif Munyengeterwa, Karyn |
| author_sort | Munyengeterwa, Karyn |
| collection | Thesis |
| description | The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study adopted the explanatory design and the target population of the study consisted of all the 13 commercial banks in Zimbabwe, with the study period being six years, from 2013 to 2018. The panel data was estimated using fixed and random effects. The findings of the research indicated that all the commercial banks in Zimbabwe at the time of doing this study were using POS, ATM, Mobile banking and Internet banking as they adopted digital forms of banking. In terms of financial performance, banks have been able to increase their return on assets between the years 2013 and 2018. In terms of regression analysis, the findings indicate that for every 1% increase in Mobile banking, ATM and Internet banking there will be an accompanying 0.6%, 0.9%, and 0.5% increase in financial performance respectively while for every 1% increase in POS, there will be a 0.7% decrease in financial performance. Therefore, the research recommended banks to go a step ahead in being innovative through designing new products which will only be accessible to clients who access banking through digital banking methods. Also, the research recommends the government of Zimbabwe to put in place sound macro-economic policies for the whole economy to recover so that the commercial banks in Zimbabwe can fully utilize the benefits associated with digital banking. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/32849 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:33:26.520Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2021 |
| publishDateRange | 2021 |
| publishDateSort | 2021 |
| publisher | Graduate School of Business (GSB) |
| publisherStr | Graduate School of Business (GSB) |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/32849 Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector Munyengeterwa, Karyn Alhassan, Abdul Latif mobile banking Zimbabwe Zimbabwean banks The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study adopted the explanatory design and the target population of the study consisted of all the 13 commercial banks in Zimbabwe, with the study period being six years, from 2013 to 2018. The panel data was estimated using fixed and random effects. The findings of the research indicated that all the commercial banks in Zimbabwe at the time of doing this study were using POS, ATM, Mobile banking and Internet banking as they adopted digital forms of banking. In terms of financial performance, banks have been able to increase their return on assets between the years 2013 and 2018. In terms of regression analysis, the findings indicate that for every 1% increase in Mobile banking, ATM and Internet banking there will be an accompanying 0.6%, 0.9%, and 0.5% increase in financial performance respectively while for every 1% increase in POS, there will be a 0.7% decrease in financial performance. Therefore, the research recommended banks to go a step ahead in being innovative through designing new products which will only be accessible to clients who access banking through digital banking methods. Also, the research recommends the government of Zimbabwe to put in place sound macro-economic policies for the whole economy to recover so that the commercial banks in Zimbabwe can fully utilize the benefits associated with digital banking. 2021-02-15T13:05:28Z 2021-02-15T13:05:28Z 2020 2021-02-15T13:04:45Z Master Thesis Masters MBA http://hdl.handle.net/11427/32849 eng application/pdf Graduate School of Business (GSB) Faculty of Commerce |
| spellingShingle | mobile banking Zimbabwe Zimbabwean banks Munyengeterwa, Karyn Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| thesis_degree_str | Master's |
| title | Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| title_full | Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| title_fullStr | Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| title_full_unstemmed | Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| title_short | Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector |
| title_sort | financial inclusion technologies and bank performance insights from zimbabwe s banking sector |
| topic | mobile banking Zimbabwe Zimbabwean banks |
| url | http://hdl.handle.net/11427/32849 |
| work_keys_str_mv | AT munyengeterwakaryn financialinclusiontechnologiesandbankperformanceinsightsfromzimbabwesbankingsector |