Effect of Investment on Electronic Banking on Financial Performance of Commercial Banks in Ethiopia
| dc.contributor.advisor | Gebremedhin, Gebrehiwot (Ato) | |
| dc.contributor.author | Teka, Mekuannt | |
| dc.date.accessioned | 2019-03-09T12:50:48Z | |
| dc.date.accessioned | 2023-11-04T07:57:22Z | |
| dc.date.available | 2019-03-09T12:50:48Z | |
| dc.date.available | 2023-11-04T07:57:22Z | |
| dc.date.issued | 2019-03 | |
| dc.description | A Thesis Submitted to the School of Graduate studies of Addis Ababa University in Partial Fulfillment of the Requirements for the Degree of Master of Science in Accounting and Finance. | en_US |
| dc.description.abstract | The main aim of the study is to investigate the effect of Investment on electronic banking on financial performance of commercial Banks in Ethiopia. In order to fulfill the stated objective quantitative research approach with explanatory type of research were used. The research was conduct by consecutive six years Annual Audited Financial Report of selected seven Commercial Banks in Ethiopia using a purposive sampling method for the period 2013 – 2018. The study also employed a multivariate regression model using Return on Asset and Return on Equity, as a dependent variable for measuring the financial performance of the selected Banks and four independent explanatory variables of electronic banking products investment on ATM, investment on mobile banking, investment on internet banking and investment on POS. The fixed and random effect regression technique and correlation analysis was used to analyze the data using the econometric statistical package eview 8 software. The sampled data was also presented and analyzed by using descriptive statistic by mean, standard deviation, maximum and minimum. The effect of the investment on electronic banking in this research is statistically significant in explaining the ROA and ROE of commercial banks in Ethiopia however the statistical significance is different for each electronic banking product. The study finds that bank performance measurement has a strong and significant relationship with investment on ATM. In addition investment on POS has a positive and significant effect on ROA and negative and statistically insignificant effect on ROE. On the other hand investment on mobile banking facilities has a positive and insignificant effect with ROA but it has a significant positive effect on ROE. However investment on internet banking infrastructure have a negative and significant effect with ROA but for ROE it has a negative and insignificant effect. According to the result some variables influences negatively but, it is clear that investment on e-banking is promising activity to increase the performance of Ethiopian Commercial Banks. So the study recommended commercial banks are advised to increase the adaptability and accessibility of electronic banking products specifically internet banking and POS terminal service in order to enhance the financial performances. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/16649 | |
| dc.language.iso | en_US | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | Ethiopia | en_US |
| dc.subject | Investment on Electronic banking | en_US |
| dc.subject | Return on asset | en_US |
| dc.title | Effect of Investment on Electronic Banking on Financial Performance of Commercial Banks in Ethiopia | en_US |
| dc.type | Thesis | en_US |