Ekene S. Aguegboh, C. V. Agu, Vivien Nnetu-Okolieuwa
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引用次数: 1
Abstract
ABSTRACT This paper examines the effect of information and communication technology on bank performance and development in the Sub-Saharan African banking industry. We employ a generalized method of moments technique with a panel data of 35 sub-Saharan African countries on the access and use of automated teller machines, mobile money transactions, return on assets, returns on earning, and net interest margin. The results reveal that while the access and use of automated teller machines are negatively associated with return on assets, they have positive and significant effects on return on earning and net interest margin. The findings suggest that information and communication technology adoption affects bank performance mainly in the short run. We conclude that the discrepancy in how it affects return on assets compared to return on earnings and net interest margin is mainly based on how bank performance is measured.
期刊介绍：
Information Technology for Development , with an established record for publishing quality research and influencing practice, is the first journal to have explicitly addressed global information technology issues and opportunities. It publishes social and technical research on the effects of Information Technology (IT) on economic, social and human development. The objective of the Journal is to provide a forum for policy-makers, practitioners, and academics to discuss strategies and best practices, tools and techniques for ascertaining the effects of IT infrastructures in government, civil societies and the private sector, and theories and frameworks that explain the effects of IT on development. The concept of development relates to social, economic and human outcomes from the implementation of Information and Communication Technology (ICT) tools, technologies, and infrastructures. In addition to being a valuable publication in the field of information systems, Information Technology for Development is also cited in fields such as public administration, economics, and international development and business, and has a particularly large readership in international agencies connected to the Commonwealth Secretariat, United Nations, and World Bank.
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