SSRN Electronic Journal, Journal Year: 2023, Volume and Issue: unknown
Published: Jan. 1, 2023
This chapter examines the role of embedded finance in increasing financial inclusion. The author shows that increases inclusion by changing way banked adults, unbanked adults and SMEs interact with services. Embedded provides greater access to for underserved businesses generates revenue service providers banks, thereby presenting a win-win opportunity both users
Language: Английский
Economics of Transition and Institutional Change, Journal Year: 2024, Volume and Issue: 32(3), P. 779 - 805
Published: Jan. 3, 2024
Abstract We examine the nexus between financial inclusion and inflation targeting monetary policy effectiveness in West African Economic Monetary Union countries by employing a heterogenous panel approach that enables us to delineate responses innovations related idiosyncratic country‐specific shocks, common composite shocks. find these shocks significantly affect but with varying magnitudes, signs, time of responses, persistence. further demonstrate is differently associated various dimensions indicators inclusion. Overall temporarily increase inflation; deposit reduce credit inflation. Central bank rate responds across horizon overall shocks; it increases due highlighting authority implementing contractionary policy. Our results highlight aimed at promoting inclusive services should be specific
Language: Английский
Citations
4
International Journal of Research in Business and Social Science (2147-4478), Journal Year: 2025, Volume and Issue: 14(2), P. 241 - 251
Published: March 7, 2025
This study assesses the determinants of bank deposit flows under changing economic conditions by applying dynamic panel two-step generalized methods moments technique to annual observations covering 2007 2022 12 commercial banks in South Africa. The analysis revealed past flow, profitability, size, and capital adequacy ratio as constituting a set bank-specific variables with positive predictive influence on flows. At same time, expenditure drives an adverse impact deposits. These dynamics posit important implications for efficiency management sustain inflow depositors’ Also, results show existence relationship between unemployment rate which is unexpected practice, increase joblessness country implies decline financial capacity population contribute saving portfolios. However, interaction flow this context can be explained adaptive principles market interactions unlikely different conditions. Moreover, shows effect condition that national productivity exerts impressive depositors' funds based expansion rapid growth momentum. Based findings, strategies ensure sustenance conducive macroeconomic environment should reinforced policymakers are linked direction current condition.
Language: Английский
Citations
0
Emerald Publishing Limited eBooks, Journal Year: 2025, Volume and Issue: unknown, P. 163 - 186
Published: March 10, 2025
Language: Английский
Citations
0
Journal of Scientific Research and Reports, Journal Year: 2024, Volume and Issue: 30(6), P. 459 - 468
Published: May 13, 2024
In the evolving financial landscape of Nigeria, interplay between monetary policy and digitalization significantly influences performance metrics banks. This study explores multifaceted impact these two critical factors on Nigerian banking sector. Monetary policy, orchestrated by Central Bank regulates economy's money supply, affecting banks' lending behaviors liquidity. Digitalization, other hand, offers a transformative potential for banks to enhance operational efficiency, customer experience, service delivery through technological advancements. The examines how rate (proxied mobile cell subscription) affect banks’ performance, focusing bank credit liquid assets, while controlling inflation exchange variables. It also interaction variables performance. Employing an interactive multiple regression model, analyzes time series data from 1996 2022 sourced World Bank. Findings indicate that stringent policies can constrain tightening reducing liquidity, provides opportunity counteract effects enhanced efficiency. However, successful integration digital technologies is contingent upon adequate investment, regulatory support, strategic alignment with core objectives. concludes must adeptly manage fluctuations leverage sustain These insights could guide formulation decision-making within industry.
Language: Английский
Citations
2
Safer Communities, Journal Year: 2024, Volume and Issue: 23(4), P. 299 - 316
Published: Jan. 15, 2024
Purpose This study aims to investigate the impact of terrorism on financial inclusion that is achieved through automated teller machine penetration and bank branch expansion. Design/methodology/approach Eight countries are most terrorized in world were analysed using panel fixed effect regression model generalized linear model. Findings The results provide evidence reduces level experiencing terrorism, but presence strong legal institutions, accountability governance institutions political stability mitigate adverse inclusion. Originality/value A growing literature has shown affects economy, yet little known about its
Language: Английский
Citations
1
Interdisciplinary Journal of Management and Social Sciences, Journal Year: 2024, Volume and Issue: 5(1), P. 147 - 157
Published: Feb. 19, 2024
This study examines the impact of monetary policy instruments on firm profitability in Nepalese commercial banks from 2007/08 to 2021/22. The research investigates relationship between and various instruments, including broad money supply, statutory liquidity ratio, bank rate, investment treasury bills, cash reserve ratio. analysis reveals diverse return (ROI) trends across banks, with NIMBL initially showing high ROI followed by a drop, SBL SBI displaying substantial increases, NABIL HBL maintaining stable ROI. Net Interest Margin (NIM) shows varying profitability, while indicators exhibit occasionally fluctuating values, influencing borrowing costs liquidity. Correlation identifies positive associations NIM, M2, negative correlations TBR CRR. Regression emphasizes significance CRR, IRS, M2 impacting concludes that bills affect banks' profitability. Recommendations include managing low rates, encouraging bill investment, minimizing ratio enhance Implications suggest effective management can improve Future could explore additional indicators, expand sample size observation years, other financial institutions, employ mixed-method approach for comprehensive understanding
Language: Английский
Citations
0
Elsevier eBooks, Journal Year: 2024, Volume and Issue: unknown
Published: Jan. 1, 2024
Language: Английский
Citations
0
Research in Globalization, Journal Year: 2024, Volume and Issue: 9, P. 100243 - 100243
Published: Aug. 23, 2024
Language: Английский
Citations
0
SSRN Electronic Journal, Journal Year: 2024, Volume and Issue: unknown
Published: Jan. 1, 2024
Language: Английский
Citations
0
Published: Jan. 1, 2024
Language: Английский
Citations
0