The Impact of Using Electronic Banking Services in Achieving Financial and Inclusion and Sustainable Development

Samah Homied, Saleh Homied
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Abstract

The study aimed to investigate the impact of using mobile banking services through mobile phones on achieving financial inclusion and its implications for sustainable development. The descriptive analytical approach was employed and a questionnaire was used as a data collection tool from 439)) users of mobile banking services (Mobile Money) at the Cooperative and Agricultural Credit Bank. The data was statistically analyzed using multiple regression analysis. The results showed the significance of the study's multiple models in representing the relationship between the independent variable (use of mobile banking services), the intermediate variable (financial inclusion) and the dependent variable (sustainable development). The findings revealed that customers' use of mobile banking services has a positive effect on achieving financial inclusion and positively reflects on sustainable development as well. The study's model explained about 65% of the variance in sustainable development goals. It was found that there is a significant positive relationship between all the variables. To assess the strength of relationships in the assumed model, a statistical analysis of the Survey data was done according to the structural equation model (SEM) using the Analysis Moment of Structures program (AMOS) supported by the Statistical Package for the Social Sciences program (SPSS). The study recommended enhancing cooperation between banks and relevant entities to expand financial inclusion and achieve sustainable development. In conclusion, the study provided empirical evidence on the role of mobile banking in promoting financial inclusion and its contributions towards realizing sustainable development targets.
使用电子银行服务对实现金融普惠和可持续发展的影响
本研究旨在调查通过手机使用移动银行服务对实现金融包容性的影响及其对可持续发展的意义。研究采用了描述性分析方法,并使用问卷作为数据收集工具,调查了合作与农业信贷银行(Cooperative and Agricultural Credit Bank)的 439 名移动银行服务(Mobile Money)用户。数据采用多元回归分析法进行统计分析。结果表明,研究的多重模型在表示自变量(使用移动银行服务)、中间变量(金融包容性)和因变量(可持续发展)之间的关系方面具有重要意义。研究结果表明,客户使用手机银行服务对实现金融包容性有积极影响,对可持续发展也有积极影响。研究模型解释了可持续发展目标中约 65% 的方差。研究发现,所有变量之间都存在显著的正相关关系。为了评估假设模型中的关系强度,我们使用社会科学统计软件包(SPSS)支持的结构矩阵分析程序(AMOS),根据结构方程模型(SEM)对调查数据进行了统计分析。研究建议加强银行与相关实体之间的合作,以扩大金融包容性并实现可持续发展。总之,本研究提供了实证证据,说明移动银行在促进金融包容性方面的作用及其对实现可持续发展目标的贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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