Has Demonetisation Pushed Digitalisation in India? Some Counter Evidences

Nithin, M.; Jijin, P.; Baiju, P.

doi:10.18311/jbt/2018/21170

Cited by 4 publications

(3 citation statements)

References 11 publications

(9 reference statements)

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“…Tilakaratna posits that, the adoption of technology is dependent on the personal beliefs of the user as well as the immediate external environment in which they operate. Research have shown that, people believe technology use to be advantageous, reducing mental and physical effort [33,34]. These prior studies showed that consumer trust is as important in adopting financial products and services of banks as the widely accepted TAM use-antecedents, perceived ease of use and perceived usefulness.…”

Section: Technology Acceptance Model (Tam) Theorymentioning

confidence: 99%

Financial Inclusion Policies and Performance of Nigerian Listed Deposit Money Banks

Zango,

Umeoji

2024

Eco Man Inf

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The development of modern technology for financial transactions poses exciting enquiries to both the finance sector operators and policy formulators with regard to appropriateness of previous institutional measures and availability of devices that will guarantee efficiency, effectiveness and financial stability of fiscal policies. This study evaluates the impact of financial inclusion strategies on the performance of Nigeria’s banking industry. To get the intended outcome, this study employs an ex-post facto research strategy to investigate the relationship between financial inclusion and the economic performance of the Nigerian banking industry. The data utilised in this study is sourced from various secondary sources from 2009 to 2019. The study included descriptive statistics and the Ordinary Least Square method of Regression analysis. The findings of the study suggest that the adoption of Point of Sale (PoS) terminals significantly influences the overall efficiency and effectiveness of the banking industry in Nigeria. Additionally, it revealed that financial transactions conducted through Automated Teller Machines (ATMs) have a substantial impact on the Return on Equity (ROE) of the banking industry in Nigeria. On the other hand, it was determined that Mobile Money Transfer did not demonstrate a significant impact on the performance of the Nigerian banking sector. The report so suggests, among other recommendations, that the Central Bank of Nigeria should conduct a downward revision of electronic payment transaction rates in order to foster greater financial inclusion.

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Section: Technology Acceptance Model (Tam) Theorymentioning

confidence: 99%

Financial Inclusion Policies and Performance of Nigerian Listed Deposit Money Banks

Zango,

Umeoji

2024

Eco Man Inf

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“…Gefen, Karahanna and Straub (2003) studied a separate and distinct interaction of both the actual e-vendor and with its IT Web site interface is at the heart of online shopping. Previous research has established, accordingly, that online purchase intentions are the product of both consumer assessments of the IT itselfspecifically its perceived usefulness and ease-of-use (TAM)-and trust in the e-vendor (Nithin & Baiju, 2018). The research showed that consumer trust is as important to online commerce as the widely accepted TAM use-antecedents, perceived usefulness and perceived ease of use.…”

Section: Literature Diffusion Of Innovation Theory (Doi)mentioning

confidence: 99%

Effect of Cashless Financial Services on Economic Growth in Kigali, Rwanda

Esperance

2024

int.jour.sci.res.mana

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The research aimed at assessing the effect of cashless financial services on economic Growth in Kigali, Rwanda. The study was conducted in Kigali Rwanda. The time was limited in the period of 2014-2022.Thestudy was guided by the following specific objectives upon which also the following research questions were derived: To evaluate the effect of internet banking on Economic Growth in Kigali, Rwanda. To establish the impact of mobile cards on Economic Growth in Kigali, Rwanda. To assess the effect of mobile wallets on Economic Growth in Kigali, Rwanda. To evaluate the effect on mobile money on Economic Growth in Kigali, Rwanda. The research employed the use of Focus Group as one of interview methods to collect data from respondents. Rwanda still faces less privacy, greater exposure to hacking, technological dependency, magnifying economic inequality, and more. The current study therefore sought to find out the effect of cashless financial services on economic growth in Kigali, Rwanda amidst of the highlighted challenges associated with the cashless society plan. The researcher collected data from employees of MTN Rwanda, Eco bank Rwanda, BK, BNR and beneficiaries of selected institutions. The research design included: questionnaires; interviews and documentation research techniques. The sample size of the study is210 participants from Bank of Kigali, Eco bank, telecommunication companies (MTN) including mobile money agents by means of purposive sampling. The researcher requested the selected institutions to allow their members to participate in the interview and an authority letter for data collection from the University was presented to selected Institutions. Confidentiality and privacy were observed during the interview process. The researcher allowed the respondents to be free when collecting the data, mentioning names was avoided as it could be considered as coercing the respondents. Data collected was analyzed using SPSS.

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“…Gefen, Karahanna and Straub (2003) studied a separate and distinct interaction of both the actual e-vendor and with its IT Web site interface is at the heart of online shopping. Previous research has established, accordingly, that online purchase intentions are the product of both consumer assessments of the IT itself-specifically its perceived usefulness and ease-of-use (TAM)-and trust in the e-vendor (Nithin & Baiju, 2018). The research showed that consumer trust is as important to online commerce as the widely accepted TAM use-antecedents, perceived usefulness and perceived ease of use.…”

Section: Theoretical Foundationmentioning

confidence: 99%

Electronic Payment Product and Quoted Deposit Money Banks Performance in Nigeria

Momoh-Musa¹,

Ironkwe²

2021

RJMP

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Efficient payment systems are crucial for developed and less developing countries economic development and are regarded as the backbone to a highly competitive country. Innovations in the payment industry have also lead to greater access to formal financial system. This study examined the relationship between electronic payment product and quoted deposit money banks performance in Nigeria. data on different sub-variables of electronic payment product and return on equity from 2007-2018 were collected from Central Bank of Nigeria statistical bulletin, annual Central Bank of Nigeria reports, federal Inland Revenue Service, annual reports and e-business unit report of deposit money banks. Ordinary Least Square of multivariate regression based on Auto-regressive distributed Lag, unit root test, panel co-integration, granger causality and panel dynamic error correction model was used in analyzing the data. The empirical results indicate that electronic payment product significantly relate to return on equity. We conclude that electronic payment product has the potency to make positive and significant contribution to performance and recommends that Automated Teller Machine (ATM) should be put in different locations for easily accessible by customers, so that quick service and convenience is maintained hence improving bank operations to the same time constant service should be ensured in order to provide reliability of the services. Deposit money banks and other specialized organizations should conduct awareness programs for client son the importance and ease of using electronic payment products in financial transactions in local and international markets. Banks should pay attention to issuing new and modern electronic payment methods to attract new customers and fellow developments in global markets.

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Has Demonetisation Pushed Digitalisation in India? Some Counter Evidences

Cited by 4 publications

References 11 publications

Financial Inclusion Policies and Performance of Nigerian Listed Deposit Money Banks

Financial Inclusion Policies and Performance of Nigerian Listed Deposit Money Banks

Effect of Cashless Financial Services on Economic Growth in Kigali, Rwanda

Electronic Payment Product and Quoted Deposit Money Banks Performance in Nigeria

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