THE IMPACT OF TECHNOLOGY ADOPTION ON THE E-SERVICE SCOPE IN THE BANKING INDUSTRY IN CAMEROON /
Destiny, Akwanwi Ngwane
THE IMPACT OF TECHNOLOGY ADOPTION ON THE E-SERVICE SCOPE IN THE BANKING INDUSTRY IN CAMEROON / AKWANWI NGWANE DESTINY; SUPERVISOR: ASST. PROF. DR. BOREN SARGON - ix, 51 sheets; 31 cm. Includes CD
Thesis (MSc) - Cyprus International University. Institute of Graduate Studies and Research Accounting and Finance Department
Includes bibliography (sheets 47-51)
ABSTRACT
The influence of innovations in technology on the efficiency or performance of the
banking industry of countries across the world has been widely debated in the
literature with diverse findings and conclusions, with limited research in developing
countries. The study thus explored the impact of technology adoption on the eservice scope in the banking industry in Cameroon with a specific focus on the
impact of e-banking on the aggregate return on asset of the Cameroonian banking
industry. Autoregressive Distributed Lag (ARDL) was adopted for estimation the
parameters of the study. The ARDL Bound test revealed that the variables had long
run relationships. Also, the ARDL estimate established that the previous year value
of ATM transactions significantly influenced the aggregated return on asset in the
current period in Cameroon. Results also indicate that the value of POS, mobile
money and web transfer transactions both in the previous or current year had direct
significant influence on the worth of the banking industry in Cameroon in the current
period. It was concluded that the e-service platforms of the Cameroonian banking
industry have significantly influenced the returns of the banks in the country.
Specifically, the dominant e-banking platforms include ATM, mobile money, POS,
and web transfers. The study recommended that the banking authorities in Cameroon
should massively encourage the use of ATM, mobile money, point of sale and web
transfer for the transactions in the banking operations and dealings which are
necessary to improve the returns of the banks in the country. Also, banking
authorities in Cameroon should ensure that many more innovations are ensured on
the application of technological platforms in the banking operations which are
necessary to improve the returns of the banks in the country.
Keywords: ARDL, E-Banking, E-Service, Technology Adoption
Banks and banking--Dissertations, Academic
THE IMPACT OF TECHNOLOGY ADOPTION ON THE E-SERVICE SCOPE IN THE BANKING INDUSTRY IN CAMEROON / AKWANWI NGWANE DESTINY; SUPERVISOR: ASST. PROF. DR. BOREN SARGON - ix, 51 sheets; 31 cm. Includes CD
Thesis (MSc) - Cyprus International University. Institute of Graduate Studies and Research Accounting and Finance Department
Includes bibliography (sheets 47-51)
ABSTRACT
The influence of innovations in technology on the efficiency or performance of the
banking industry of countries across the world has been widely debated in the
literature with diverse findings and conclusions, with limited research in developing
countries. The study thus explored the impact of technology adoption on the eservice scope in the banking industry in Cameroon with a specific focus on the
impact of e-banking on the aggregate return on asset of the Cameroonian banking
industry. Autoregressive Distributed Lag (ARDL) was adopted for estimation the
parameters of the study. The ARDL Bound test revealed that the variables had long
run relationships. Also, the ARDL estimate established that the previous year value
of ATM transactions significantly influenced the aggregated return on asset in the
current period in Cameroon. Results also indicate that the value of POS, mobile
money and web transfer transactions both in the previous or current year had direct
significant influence on the worth of the banking industry in Cameroon in the current
period. It was concluded that the e-service platforms of the Cameroonian banking
industry have significantly influenced the returns of the banks in the country.
Specifically, the dominant e-banking platforms include ATM, mobile money, POS,
and web transfers. The study recommended that the banking authorities in Cameroon
should massively encourage the use of ATM, mobile money, point of sale and web
transfer for the transactions in the banking operations and dealings which are
necessary to improve the returns of the banks in the country. Also, banking
authorities in Cameroon should ensure that many more innovations are ensured on
the application of technological platforms in the banking operations which are
necessary to improve the returns of the banks in the country.
Keywords: ARDL, E-Banking, E-Service, Technology Adoption
Banks and banking--Dissertations, Academic