Browsing by Author "Debebe, Seyum"

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    Assessing Opportunities and Challenges of Implementing Mobile Wallet Banking: The Case of Gizepay
    (Addis Ababa University, 2021-03) Debebe, Seyum; Bogale, Mengistu (PhD)
    This study work aimed to examine challenges and opportunities in implementing wallet banking project in Bank of Abyssinia in giving due attention to available opportunities which drive implementation process and challenges which can influence the implementation process of wallet banking. The study applied exploratory research design and used questionnaires, open ended questions, yes/no questions and semi structured interview as instrument to collect primary data, while secondary data were reviewed from various literatures. Purposive sampling was used to gather the data through questionnaire for Digital Banking support, Agent banking and application management department team members with sample size of 31 respondents and Semi structure interview was employed for the executives of agent banking and application management team. A mixed research approach was used to answer the research questions. Quantitative data were analyzed with the use of SPSS version 20 software using statistical tools of frequency, percentage and mean score. The results investigated from the selected respondents and review of secondary data demonstrates that BOA implemented GizePay in a manner that followed the right project management methods, staged and practices by combining lessons learned from previous versions and other earlier released wallet banking platforms at the perfect time table for launching wallet banking. The study also demonstrates opportunities that drive implementation of wallet banking like: the market is endowed with huge potential of untapped and unbanked population, increase in the number of Smartphone, internet and mobile payment users, Inventive mobile payment application, being late adopter gave the bank to take advantage of already developed best and existing experience of other similar platforms, , it is a way to minimize cost for the bank and it reduces risks of traditional payment system, The existence of few local and no international mobile wallet service providers and government policy and incentive to widen mobile banking usage. The study result also identified significant challenges for implementation of wallet banking like: lack of adequate telecommunication infrastructure, Low level of internet penetration, Fraud risk and low trust of mobile wallets by customers made the technology acceptance low, Low level of ICT literacy rate and low perception of customer, lack of aggressive advertising and awareness creation by BOA, Customers preference to stick with the physical bank hampered performance and insurgence of wallet banking, Repetitive data network failure (inaccessibility), data network interruption and requirements of little mobile device knowledge, lack of continuous non-virtual training and government policies. On these bases, recommendation were given for BOA to work on creating awareness to employees, customers and shareholders through aggressive marketing and advertisement, giving continuous non- virtual training and also recommendation for government side to loosen the polices on transaction limits and create environment for inter-bank wallet banking.
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    Factors that Affect the Level of Gold Resource Mining in Ethiopia
    (A.A.U, 2021-07) Debebe, Seyum; Tuffa, Adane (PHD)
    Decade ago, gold constituted close to one-fifth of the total export earning of Ethiopia. Gold was the second largest foreign currency generator next to coffee. But the country has not been able to sustain this momentum. Export income dwindling continuously. The major objective of this paper is to investigate the magnitude of impact of selected economic variables on gold resource mining in Ethiopia using descriptive analysis and OLS time series econometric model for the period 1987-2017 collected from National Bank of Ethiopia (NBE). The study was motivated by the fact that the country is in deep need of a foreign currency earning and the means to earn could have been boosted given the current historical high prices of world gold due to uncertainties created as a result of recent pandemic. Empirical result reveal that population and world price of gold have positive significant effect on level of annual gold extraction in the short run, while, inflation, population and world price of gold have positive significant effect on level of annual gold extraction in the long run. However, the study found out that GDP, Interest rate, Economic growth had statistically insignificant impact on gold resource extraction. This study also included important policy recommendation. The finding of this study implies that the need to develop a scheme or policy that controls gold mining in line with world gold price, as it is the main determining factor for movement in gold extraction level and also since it dictates the remaining gold export determinant variables.