The Effect of Automated Teller Machines on the Financial Performance of Selected Commercial Banks in Ethiopia
| dc.contributor.advisor | Mengistu Bogale (PhD) | |
| dc.contributor.author | Admasu Shegie | |
| dc.date.accessioned | 2026-03-03T05:16:30Z | |
| dc.date.available | 2026-03-03T05:16:30Z | |
| dc.date.issued | 2025-08 | |
| dc.description.abstract | The study examines the relationship between ATM deployment, number of ATM users, investment on ATM technology, charges on ATM usage, volume of transaction through ATM and financial performance indicators of commercial banks. Using financial reports and internal reports of commercial banks panel data from 2015-2024 and regression analysis, the researcher investigates impact of ATM deployment, number of ATM users, investment on ATM technology, charges on ATM usage, volume of transaction through ATM on financial performance of commercial banks in Ethiopia. As per the study the researcher finds out charge on ATM usage (commission income) significantly affects the return on asset (ROA) negatively and return on equity (ROE) is positively and significantly impacted by investment on ATM and also impacted positively by volume of transaction. The study adds empirical support for ATM network optimization to the body of knowledge on banking technology efficiency. To match ATM operations with profitability targets, practical suggestions include cost reduction and strategic ATM placement. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/7798 | |
| dc.language.iso | en_US | |
| dc.publisher | Addis Ababa University | |
| dc.subject | ATMs | |
| dc.subject | Return on Asset (ROA) | |
| dc.subject | Return on Equity (ROE) | |
| dc.subject | number of ATM users | |
| dc.subject | investment on ATM technology | |
| dc.subject | charges on ATM usage | |
| dc.subject | volume of transaction | |
| dc.title | The Effect of Automated Teller Machines on the Financial Performance of Selected Commercial Banks in Ethiopia | |
| dc.type | Thesis |