The Role of Digital Wallet Providers in Enhancing Financial Inclusion: An Analytical Study of the Iraqi Experience (Published)
The study aimed to demonstrate the impact of digital wallets on enhancing financial inclusion variables (number of bank accounts, payment cards, ATMs, and POS devices). Data published on the Central Bank of Iraq’s statistical website was used, along with SPSS and Excel, to demonstrate the relationship results. The results showed positive regression coefficients in all models. The study concluded that increased payments via digital wallets are associated with an increase in bank accounts, cards, points of sale, and ATMs. This is a direct indication that the spread of digital wallets is not limited to digital transformation, but rather plays an effective role in advancing financial inclusion.
Keywords: ATM, Financial Inclusion, POS, digital wallets
Implication Of Agent Banking On Profitability Of Nigerian Commercial Banks. (Review Completed - Accepted)
Agent banking has become an essential practice of financial institution in bringing their services closer to the people at the grass root. There is no doubt that agent banking if adopted into Nigerian banking system will help to improve banks profitability. The aim of this study is to investigate the implication of agent banking on the profitability of Nigerian commercial banks. The study made use of descriptive survey in carrying out the research and content analysis in analyzing the work. It was revealed that agent banking has proved to have essential role to play in improving customers satisfaction and bank profitability and it was recommend that agent banking should be adopted in Nigeria
Keywords: ATM, Agent banking, Electronic Banking, Masters Card, Profitability