Research on Effect of Adopting Financial Technology on The Operational Efficiency of Ethiopian Banking Service A Case Study on Selected Commercial Banks
| dc.contributor.advisor | Tenkir Seifu (PhD) | |
| dc.contributor.author | Meron Mindaye | |
| dc.date.accessioned | 2026-03-03T05:15:32Z | |
| dc.date.available | 2026-03-03T05:15:32Z | |
| dc.date.issued | 2025-02 | |
| dc.description.abstract | This study investigates the impact of financial technology (Fin-tech) adoption on the operational efficiency of Ethiopian banking services, focusing on selected commercial banks. The research examines key dimensions of Fin-tech adoption, including technological integration, cost efficiency, process automation, and customer experience. Employing a quantitative approach, data was collected from bank employees using structured questionnaires and analyzed through statistical methods such as correlation and multiple regression analysis.Findings reveal that technological adoption has the most substantial influence on operational efficiency, with 85.5% of respondents acknowledging improvements in transaction processing, risk management, and workflow productivity. Additionally, 83.4% of participants reported significant reductions in operational costs due to Fin-tech-driven automation. Process automation enhances transaction speed and accuracy, as confirmed by 84.5% of respondents, leading to a 40% increase in employee productivity. Moreover, Fin-tech solutions significantly enhance customer experience, with 87.1% of respondents indicating improved service accessibility and efficiency.Despite the numerous benefits, challenges remain, including regulatory constraints, cybersecurity risks, and digital literacy gaps among employees and customers. To maximize Fin-tech’s impact, the study recommends comprehensive technological integration, investment in digital infrastructure, workforce training, and supportive regulatory frameworks. Future research should explore the long-term effects of Fin-tech adoption and the role of emerging technologies like blockchain and artificial intelligence in further transforming the banking sector. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/7792 | |
| dc.language.iso | en_US | |
| dc.publisher | Addis Ababa University | |
| dc.subject | Fin-tech | |
| dc.subject | Operational Efficiency | |
| dc.subject | Process Automation | |
| dc.subject | Ethiopian Banking | |
| dc.subject | Digital Transformation | |
| dc.subject | Financial Inclusion. | |
| dc.title | Research on Effect of Adopting Financial Technology on The Operational Efficiency of Ethiopian Banking Service A Case Study on Selected Commercial Banks | |
| dc.type | Thesis |