Browsing by Author "Ermias Kenjo"

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    Effect of Financial Technology (Fin-Tech) on Financial Inclusion in Ethiopia the Case of (Selected Commercial Banks and Fin-Tech Companies)
    (A.A.U, 2025-04-17) Ermias Kenjo; Salehu Anteneh (PhD)
    Fin-Tech can improving financial inclusion not only a topic that draws attention in the global agenda, but also a great significance for the economic development of Ethiopia. Nevertheless, in Ethiopia few researches are conducted on effects of Fin-Tech on financial inclusion. The purpose of this study is to examine the effects of financial technology (Fin-Tech) on financial inclusion in Ethiopia. The researcher was employed both qualitative and quantitative approaches. The research was used both descriptive and explanatory research design method. The researcher use primary and secondary data for this study. The primary data was collected through questionnaires and interviews from management, employees and users of Fin-Tech companies and secondary data was collected from annually audited report in national banks of Ethiopia and other related journal articles. The targeted population is 14 top performed commercial banks and other fin-tech companies. The sample size is 370 respondents. The main findings of the study are: digital saving service, digital credit service, mobile banking service, ATM service, and mobile money service have positive and significant impact on financial inclusion in Ethiopia. Nevertheless digital insurance service and inward international remittance have negative impact on financial inclusion. The results of the study could create understanding of how financial technology can enhance financial inclusion, economic growth, Savings and investment, gender inclusion and input for future policies and initiatives in Ethiopia. Key words: Fin-Tech, financial inclusion, digital saving, digital credit, digital insurance, Payment Instrument Issuer, Payment System Operator and Inward International Remittance, financial literacy, Migrants