TY  - BOOK
AU  - Destiny,Akwanwi Ngwane
AU  - Sargon,Baron
TI  - THE IMPACT OF TECHNOLOGY ADOPTION ON THE  E-SERVICE SCOPE IN THE BANKING INDUSTRY IN CAMEROON
PY  - 2023///
KW  - Banks and banking
KW  - Dissertations, Academic
N1  - Thesis (MSc) - Cyprus International University. Institute of Graduate Studies and Research Accounting and Finance Department; Includes bibliography (sheets 47-51)
N2  - 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
ER  -