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Mobile Money for Financial Inclusion: Policy and Regulatory Perspective in Zimbabwe
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Alex Bara --- Senior Economist at the Agriculture Bank of Zimbabwe, ZimbabweThe introduction of mobile telephony and innovative technology in financial services is forcing regulators to re-evaluate their rules for financial service provision. Zimbabwe also adopted mobile financial service, and has realised rapid growth in mobile financial services. Inevitably, it has... -
The impact of information technology on bank profitability in Nigeria
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Wilson U Ani --- Department of Accountancy, Nigeria Cosmas O Odo --- Department of Marketing, Nigeria Ezeudu Ikenna --- Federal Polytechnic, NigeriaThis paper examines the impact of information technology on bank profitability. Using a sample comprising one-quarter of the banks in Nigeria currently quoted on the Nigerian Stock Exchange, regression results were in conflict with a priori expectations, which indicated that... -
Factors influencing academic use of internet banking services: An empirical study
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Theresadevi Moodley --- Information Systems & Technology, South Africa Irene Govender --- Information Systems & Technology, South AfricaThis study explores factors influencing the adoption of Internet banking. Based on the literature and the unified theory of acceptance and use of technology (UTAUT) model, six constructs which influence academics’ usage of and behavioural intention to adopt Internet banking... -
Diffusion and adoption of bank financial innovation in Zimbabwe: An external factor analysis
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Alex Bara --- Agricultural Bank of Zimbabwe, ZimbabweDiffusion and adoption of an innovation are as equally critical as the creation of the innovation for without them, the innovation becomes redundant. The level of technology in developing countries reflects the pace at which technology diffuses within countries. Transfer,... -
Human development thresholds for inclusive mobile banking in developing countries
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Simplice A. Asongu --- Department of Economics, South Africa Nicholas M. Odhiambo --- Department of Economics, South AfricaThis study assesses human development thresholds at which mobile banking mitigates poverty and inequality in 93 developing countries for the year 2011. Mobile banking entails ‘mobile used to pay bills’ and ‘mobile used to receive/send money’, while the modifying policy... -
Fostering entrepreneurship for innovation in African Banks’ subsidiaries
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Christian Wolf --- Policy Experimentation & Evaluation Platform, Portugal Dana T. Redford --- Policy Experimentation & Evaluation Platform, PortugalHow to keep the spirit and dynamics of an entrepreneurial venture alive as it evolves into a large institution? A small number of African-owned banks have risen from early entrepreneurial beginnings to large scale operations with subsidiaries in international markets... -
Measuring bankers’ deviant behaviour: Structure and reliability in a Nigerian sample
Item type: Journal Article • Journal: Journal of Psychology in Africa • Authors: Ifeanyichukwu Chukwudi Eze --- Department of Psychology, Nigeria Police Academy, Nigeria Lawrence Ejike Ugwu --- Department of Psychology, Nigeria Obiageli Omeje --- Department of Psychology, Nigeria Ejike Okonkwo --- Department of Psychology, Nigeria Obinna O. Ike --- Department of Psychology, Nigeria Francisca N. Ogba --- Department of Education Foundations, Nigeria Chinyere Nwajiuba --- Department of Education Foundations, Nigeria Enuma Icha-Ituma --- Department of Mass Communication, NigeriaIn combating the increasing number of challenges faced by the banking industries that range from disobedience to standard operations, connivance with fraudulent clients, and regular counterproductive behaviours, a measure of deviant behaviour in the banking sector is necessary. We validated... -
Mobile banking adoption by business executives in Nigeria
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Foluke Olabisi Okocha --- , Nigeria Vera Awele Adibi --- , NigeriaChallenges with the adoption of mobile banking technologies are best understood by studies on adoption. This however requires understanding the factors that influence its adoption in a given region. Technology Acceptance Model (TAM) was adopted to understand the underlying factors... -
Association between plastic cards and mobile banking transactions in Kenya
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Jasdeep Kaur --- University of Delhi, IndiaMobile banking has emerged as most popular mode of electronic banking in Kenya and people prefer to use it due to ease and convenience. Though mobile transactions are preferred by a large section of people, plastic cards are still widely... -
Technology-based banking and bank deposit: The Nigerian commercial banks’ experience
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Chukwuebuka Bernard Azolibe --- Nnamdi Azikiwe University, Nigeria Jisike Jude Okonkwo --- Nnamdi Azikiwe University, Nigeria Victoria Ogochukwu Obi-Nwosu --- Nnamdi Azikiwe University, NigeriaIn this paper, we theorize a novel mechanism by which technology-based banking services – automated teller machines (ATMs), point of sale (POS), mobile and internet banking – stimulate bank deposit growth based on observed practical experiences. The autoregressive distributed lag... -
Financial innovation and banking performance: The role of banking regulations in SAARC Region
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Hussain Abbas --- Zhongnan University of Economics and Law Wuhan, People’s Republic of China Guo Fei --- Zhongnan University of Economics and Law Wuhan, People’s Republic of China Shah Abbas --- China University of Geosciences Wuhan,, People’s Republic of China Farhan Hussain --- Central South University, People’s Republic of ChinaThe rapid proliferation of information and communication technology has accelerated innovation in financial instruments, resulting in a heightened transformation of the competitive landscape and regulatory framework within the banking sector. Despite ongoing policy debates regarding the role and significance of... -
Assessment of factors driving cryptocurrency investment decision in Africa: A case of Bitcoin in Nigeria
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Ibrahim Abiodun Oladapo --- Imam Abdulrahman Bin Faisal University, Saudi ArabiaThis study aims to examine the factors that influence Nigerian investors decision to participate in the Bitcoin market. The study develops a model that integrates awareness, religious beliefs, and trust alongside the theory of reasoned action’s key explanatory factor. A... -
Assessing digital competencies and AI ethics awareness among customers in the banking sector
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: McArthur Fundira --- University of South Africa, South Africa Emmanuel Innocents Edoun --- University of Johannesburg, South Africa Anup Pradhan --- University of Johannesburg, South Africa Charles Mbohwa --- University of South Africa, South AfricaAs digital technologies and AI systems increasingly pervade banking services, understanding customers’ digital capabilities and awareness of AI ethics principles is paramount. This paper delves into these critical aspects among banking clientele. Employing a survey research approach with a cross-sectional... -
Modelling the perception of banking customers on mobile technology adoption in a developing economy
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Emmanuel Asafo-Adjei --- Global Development Institute, School of Environment, Education and Development, The University of Manchester, UK Anokye M. Adam --- Department of Finance, School of Business, University of Cape Coast, Ghana Peterson Owusu Junior --- Department of Finance, School of Business, University of Cape Coast, GhanaDespite the numerous risks and security dangers associated with mobile banking, an increasing number of banks in developing economies are appreciating the merits of mobile technology. Hence, we investigated customers’ perception of mobile technology adoption (MTA) in the banking industry,... -
Does financial literacy enhance banking transactions among rural people with access to bank accounts? Insights from a field experiment in Ghana
Item type: Journal Article • Journal: Africa Journal of Management • Authors: Yaa Afi Osei --- University of Pretoria, South Africa Helena Barnard --- University of Pretoria, South Africa William Derban --- University of Pretoria, South Africa Dominic Essuman --- University of Pretoria, South AfricaBank account usage is a fundamental indicator of financial inclusion. Across sub-Saharan Africa, various stakeholders actively work to improve access to banking. This study uses motivation, opportunity and ability theory, with self-efficacy as a boundary condition, to theorize the relationship... -
Assessing the systemic risk in Rwandan banking sector using clustering approach
Item type: Journal Article • Journal: African Journal of Science, Technology, Innovation and Development • Authors: Patrick Mugenzi --- University of Rwanda, Rwanda Annie Uwimana --- University of Rwanda, RwandaThis article assessed the dynamics of homogeneity (similarities) among banks in Rwanda from 2017 to 2021 by utilizing agglomerative clustering techniques on a detailed breakdown of the banking system’s balance sheet structure. Specifically, we analyzed homogeneity in the banks’ portfolios,...