Browsing by Author "Tilahun Gugssa Belayneh"

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    Determinants of Financial Inclusion in an Era of Technology: In the Case of Commercial Banks in Ethiopia
    (AAU, 2024-01-09) Tilahun Gugssa Belayneh; Habtamu Berhanu (Phd.)
    Financial inclusion refers to a manner of providing financial institutes and smooth financial transaction mechanisms in an easy way. In addition, to exchange goods and services using that easy way of accessibility, availability, or proper implementation of the system for the people living in an economy. Financial inclusion enables the economy to grow sustainably by improving social well-being. In this era, technological innovation is one of the key successes for businesses to strengthen the maturity life of product life cycle, including the financial industry. Nowadays a need for speed in the delivery of products or services included in financial services. The role of financial inclusion in the economic and financial discourse has gained a lot of interest among both academia and practitioners. By what method could address financial inclusion becomes an interesting subject on the agendas of researchers, policymakers, regulators, and financial institutions. This is fundamental in developing countries like Ethiopia's marketplaces, where banking accessibilities and financial inclusions are comparatively low. The objective of this study is to investigate the determinants of financial inclusion in the era of technology in Ethiopian commercial banks. The type of research applied in this study is explanatory or causal. After a thorough review of previous empirical studies and current observations, a research questionnaire is developed as a means of data collection. Data collected from a total of 334 actual respondents from eighteen banks were used. The responses were evaluated with descriptive statistics and binary logistic regression analysis using SPSS version 25 software. The study revealed the variable electronic devices, occupation, education, and income are positive and significant factors in financial inclusion, whereas documentation has a negative and significant effect. As a result, the study recommended that policymakers, governments, financial institutions, and development organizations take into account the aforementioned financial inclusion elements in their attempts to address the problem of financial exclusion and combat poverty among certain segments of the population