A Study on the Macro Economic Antecedents and Trends of Mobile Banking Services in Bangladesh

Islam, Shibli Rubayat Ul; Tareq, Mohammad

doi:10.1007/978-981-10-1837-4_121

Cited by 3 publications

(4 citation statements)

References 2 publications

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“…The findings this study is supported by Impavid et al (2012) who indicated that real GDP growth has shown that the results are positive with significant effects on the NPL [6]. Also, the work of Islam & Tareq (2016) [7], Ayhan & Kartal (2021) [10] showed that NPL is negative in terms of GDP growth, which means that with GDP growth, NPL will decrease. This contradicts the findings of this study.…”

Section: -4-discussion Of Findingssupporting

confidence: 76%

“…The findings indicate that real GDP growth has shown that the results are positive with significant effects on the NPL, in each decrease of 1 percent of GDP, reducing loan growth by about 0.85 percent [6]. Islam & Tareq (2016) analyzed the determinants of macroeconomic variables on NPLs of local Bangladeshi private commercial banks. The data ranges from 2004 -2013 and covers 18 scheduled banks.…”

Section: -1-empirical Findings On the Impact Of Economic Growth On Nplmentioning

confidence: 99%

“…The data ranges from 2004 -2013 and covers 18 scheduled banks. The findings showed that NPL is negative in terms of GDP growth, which means that with GDP growth, NPL will decrease [7]. Beaton et al (2016) used bank-level panel data to evaluate NPL determinants in the ECCU (Eastern Caribbean Currency Union).…”

Section: -1-empirical Findings On the Impact Of Economic Growth On Nplmentioning

confidence: 99%

See 2 more Smart Citations

The Impact of Macroeconomic Factors on Non-performing Loans in the Western Balkans

Gashi

Tafa²,

Bajrami³

2022

Emerg Sci J

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This paper analyzes the relationship of macroeconomic factors to the level of non-performing loans (NPLs) using the econometric models GMM, the Fixed Effect model, and the Random Effect model. This study aims to identify macroeconomic factors at the level of non-performing loans in the Western Balkans, measure their impact on non-performing loans, and thus fill the gap that exists between macroeconomic factors (consisting of economic growth) and those with more impact on NPLs. The methodology used to carry out this research was desk research. We used World Bank data from 2000–2019, processed with STATA software. Results show that macroeconomic factors have an impact on non-performing loans. It also proves that even when interacting with other variables, the level of bad debt has not been completely eliminated, despite economic growth in many countries. Third, throughout the study period, fixed effects estimates show that variables are not significant in a static context. According to the findings, the annual rates of GDP growth, final government consumption, the real interest rate, gross domestic savings, and the unemployment rate all have a favorable impact on NPLs. This research contributes to a deeper understanding of the relationship between macroeconomic factors and non-performing loans in the Western Balkans. Based on this, to help reduce loan risk and bad debt by the proper criteria, we propose a series of policy implications. These implications aim to improve the efficiency of banks in particular and the banking system as a whole. Doi: 10.28991/ESJ-2022-06-05-08 Full Text: PDF

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Section: -4-discussion Of Findingssupporting

confidence: 76%

Section: -1-empirical Findings On the Impact Of Economic Growth On Nplmentioning

confidence: 99%

Section: -1-empirical Findings On the Impact Of Economic Growth On Nplmentioning

confidence: 99%

See 1 more Smart Citation

The Impact of Macroeconomic Factors on Non-performing Loans in the Western Balkans

Gashi

Tafa²,

Bajrami³

2022

Emerg Sci J

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“…There have been numerous researches conducted over the years, like, Parvin, A. (2013), Islam, S. (2013), [4], [9] conducted on different aspects of mobile banking in Bangladesh. Sadia et al [4]'s research focused on the questions related to the individual level factors (like, education, age, etc.)…”

Section: Literature Reviewmentioning

confidence: 99%

Users Acceptance of Mobile Finance Service in Bangladesh and the impact of COVID-19: Extended UTAUT2

Khan¹,

Mustaffa

Habib

2021

AJSE

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Population of Bangladesh is 164 million, but there are 165 million mobile phone subscribers. Mobile phone usage is one of the fastest growing phenomena of the country. Globally, among many mobile based services, Mobile Financing is one of the most rapidly expanding sector. Bangladesh is yet to see a significant growth in this arena. There have been numerous studies conducted on the types of Mobile Financing Services (MFS) and their reach in Bangladesh. But not too many studies were conducted on the factors that influences users to adopt MFS and their behavioral intension. Moreover, the recent crisis of COVID-19 pandemic seemed to have an impact on the usage of MFS which is also another unexplored research domain. This study analyzes the factors influencing MFS users of Bangladesh and also explores the impact of COVID-19 on the user’s behavioral intension. The Unified Theory of Acceptance and Use of Technology (UTAUT) model in combination with Entrepreneurial Potential Model has been modified and adopted in this study. This study explores the correlation of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Price Value (V) on Behavioral Intention (BI) on MFS users. It also studies the moderation effect of COVID-19 on the relationship between MFS users’ Behavioral Intension and Use Behavior. The correlating factors effect positively on the MFS users’ behavioral intention. But the COVID-19 impact was found ineffective in moderating their use behavior. The framework of this research is a novel one and can be adopted for similar studies.

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Prospects and Challenges of Mobile Financial Services (MFS) in Bangladesh

Kumar

2022

Advances in Electronic Commerce

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Microelectronic payment systems are speedily replacing the ordinary modes of payment. Electronic payment systems require online financial transactions that utilize some digital financial devices. They have allowed government, businesses, and financial institutions to propose a multiple of payment opportunities to their customers. These payment opportunities include charge account credit, master card, mobile banking, and automatic teller machine and payments bills through the mobile. Mobile financial services (MFS) performed a crucial role within the present online business and other business and financial services performed within the busy and pandemic world. The study is empirical in nature of MFS and its implications in Bangladesh. Finally, the study presents an overview of challenges and prospects of MFS in Bangladesh, focusing on some development strategies for policy holders. Researchers propose how MFS operators solve the MFS-related problems, overcome the challenges, satisfy the customers, and increase their service.

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A Study on the Macro Economic Antecedents and Trends of Mobile Banking Services in Bangladesh

Cited by 3 publications

References 2 publications

The Impact of Macroeconomic Factors on Non-performing Loans in the Western Balkans

The Impact of Macroeconomic Factors on Non-performing Loans in the Western Balkans

Users Acceptance of Mobile Finance Service in Bangladesh and the impact of COVID-19: Extended UTAUT2

Prospects and Challenges of Mobile Financial Services (MFS) in Bangladesh

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