Financial Inclusion and Financial Technology: Inclusion Indicators and e- Banking Nexus

Ewah, Evelyn Bassey (2025) Financial Inclusion and Financial Technology: Inclusion Indicators and e- Banking Nexus. International Journal of Scientific Research in Social Sciences & Management Studies, 8 (1). pp. 284-293. ISSN 2579–1928

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Abstract

This paper analysed the connection between the financial inclusion the indicators (number of bank deposits, number of bank branches, number of ATM machine and size of credit to private sector) and the e-banking tool (ATM, POS, MPAY, & WEB), over the period of 2008 to 2016. The study simply used table and graphic presentation of the total value of the variables utilized, unveiling and analysing the growth among the values of the variables presented. The analysis proved that financial technological development had upward directional movement with financial inclusion. After the introduction of financial inclusion policy in 2012, there was drastic growth in the general banking transaction which brought about an increase in the use of general e banking instruments and thus, the numbers of bank branches were reduced. In addition, financial inclusion generates motivations for e-banking innovations and the execution of new technology to satisfy customer's need. Amid other things, the study recommended that Policy makers should try to make enabling background that will improve the functioning of the banks in Nigeria as this will enable the banks to boost the values of transaction in the real time banking/e banking that will give optimum customer satisfactions. Moreover, new sophisticated digital products will be adopted and also promote the benefits of cashless policy.

Item Type: Article
Subjects: H Social Sciences > HG Finance
Divisions: Faculty of Management and Social Sciences
Depositing User: mrs chioma hannah
Date Deposited: 19 Aug 2025 10:54
Last Modified: 19 Aug 2025 10:54
URI: http://eprints.gouni.edu.ng/id/eprint/5081

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