Challenges of Implementing Agent Banking: Evidence from Agents of Commercial Bank of Ethiopia
| dc.contributor.advisor | Mohammed, Abdurezak(PhD) | |
| dc.contributor.author | Kurabachew, Betelhem | |
| dc.date.accessioned | 2019-04-04T11:38:45Z | |
| dc.date.accessioned | 2023-11-04T14:25:01Z | |
| dc.date.available | 2019-04-04T11:38:45Z | |
| dc.date.available | 2023-11-04T14:25:01Z | |
| dc.date.issued | 2018-06-19 | |
| dc.description.abstract | The purpose of the study was to investigate the challenges facing financial services agents in Addis Ababa. A structured closed and open-ended questionnaire administered face to face was the main instrument for data collection. The questionnaire was pre-tested through pilot study to ascertain the reliability of instrument in collecting required information for the study. The data was analyzed using descriptive and inferential statistics. On operational challenges, the researcher found that lack of float was a very important challenge Training was however not an important challenge. Most of the agents reported to having received training from the bank. In cases where agents operated multiple agency services52.6% of the single financial service operator agents are willing to expand their business to include services from other banks while 47.4% of the agents are satisfied with operating agent services from the commercial bank of Ethiopia. Insecurity was found to be a very important challenge a relatively low percentage (28.9%) of them had fears of insecurity.Findings on the technological challenges revealed that 89.5% of the agents experienced system down times with 52.6% of them agreeing that network unavailability was a major hindrance to service delivery. The system down times were however not attributed to the gadgets used for agency banking.The findings indicated that (30 and 10%) of the agents agreed and strongly agree that the gadgets used for agency banking were reliable. From the findings, the study concluded although lack of training was not a challenge, the agents that received training for multiple financial institutions had difficulties keeping up with the trainings from different financial institutions. As a remedy to these challenges the study recommends that Commercial Bank of Ethiopia should consider revising current policies to allow a standard agency system platform. The study also recommends setting up redundant network infrastructures to improve network accessibility and reliability. Finally the study recommended taking measures to reduce operational challenge predictors (liquidity, insecurity and agency regulation) as well as reduce network hitches as this would help financial agency operators increase their monthly transactions thus improving performance and as a result contribute to the success of agent banking in Commercial Bank of Ethiopia making the goal of financial inclusion as envisioned in CBE Vision 2025 that agency banking is supposed to address achievable. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/17570 | |
| dc.language.iso | en_US | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | Agent Banking | en_US |
| dc.subject | CBE Birr, Float | en_US |
| dc.subject | Liquidity, Security | en_US |
| dc.title | Challenges of Implementing Agent Banking: Evidence from Agents of Commercial Bank of Ethiopia | en_US |
| dc.type | Thesis | en_US |