ICT adoption, bank performance & development in Sub-Saharan Africa: a dynamic panel analysis

IF 5.1 3区管理学 Q1 DEVELOPMENT STUDIES

Information Technology for Development Pub Date : 2022-10-27 DOI:10.1080/02681102.2022.2131701

Ekene S. Aguegboh, C. V. Agu, Vivien Nnetu-Okolieuwa

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.

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撒哈拉以南非洲信息通信技术的采用、银行业绩与发展：一个动态的小组分析

本文研究了信息和通信技术对撒哈拉以南非洲银行业银行绩效和发展的影响。我们采用了广义矩方法，对35个撒哈拉以南非洲国家关于自动柜员机的使用、移动货币交易、资产回报率、收入回报率和净息差的面板数据进行了分析。研究结果表明，尽管自动柜员机的使用和使用与资产回报率呈负相关，但它们对收入回报率和净息差具有积极而显著的影响。研究结果表明，信息和通信技术的采用主要在短期内影响银行业绩。我们得出的结论是，与收益回报率和净息差相比，它如何影响资产回报率的差异主要取决于银行业绩的衡量方式。

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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来源期刊

Information Technology for Development Multiple-

CiteScore

11.30

自引率

16.70%

发文量

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.