Factors Affecting the Growth of Agent Banking Operation in Selected Ethiopian Commercial Banks
No Thumbnail Available
Date
2019-07
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Addis Ababa University
Abstract
This study is designed to identify factors affecting growth of agent banking operation in selected Ethiopian commercial banks. In understanding the determinants that influence the growth of Agent banking, the study considered agent banking as a banking service developed as a result of technological innovation in the financial sector. Consequently, the study assessed the determinants affecting Agent banking using diffusion of innovation theory with some modification as result of reviewed literatures. The research work limited to commercial banks commenced the agent banking service before June 30, 2018. Thus, the researcher uses purposive non-probability sampling technique to question this dedicated units on the growth of agent banking operation. To this end, the researcher managed to gather data from 60 experts of commercial banks found in head office agent banking units. The study adopted quantitative research design where primary data is collected using a structured questionnaire and secondary data was used from annual reports of the banks and other sources. The research gap of the study was to identified on the review of literature and the researcher also want to fill the limited research gap made related to the subject matter in Ethiopian context. study identified the explained or dependent variable that is growth of agency banking and the independent variables as Mobile telecom infrastructure, Perceived characteristics of adopters, organizational factors ,regulatory framework and Value proposition to end users / agents. The data and the relationship among the dependent and independent variables were analyzed through the help of STATA V13. The study could benefit financial institutions that have commenced the service and those who are on process to start especially in understanding and proactively design or redesign a strategy to effectively expand the service via understanding the association of the influencing factors and adoption of agent banking.
Description
A Thesis Submitted to School of Graduate Studies of Addis Ababa University College of Business and Economics in Partial Fulfillment of the Requirements for the Degree of Master of Business Administration in Management
Keywords
Agent banking, Determinants’ and value proposition, Growth, Technological Innovations