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Cashless policy and banks’ financial performance in Nigeria: empirical assessment

Author: 
Sunday Oseiweh OGBEIDE and Florence Modupe FAPOHUNDA
Subject Area: 
Social Sciences and Humanities
Abstract: 

This study examined cash less policy and the financial performance of banks in Nigeria. Time series data for the period 2007 to 2016 for five variables representing about fifty (50) annual observations was generated from the Central Bank of Nigeria Economic Reports and Nigeria Deposit Insurance Corporation Annual Reports. The study used Augmented Dickey Fuller test to determine the stationary state of the variables. It also employs the descriptive statistics and panel least squares multiple regression method to analyze the data generated. The empirical findings revealed that cash less policy largely determined the financial performance of banks in the Nigerian banking sector as indicated by the coefficient of determination. The volume of Automated Teller Machine (ATMVL) and Point of Sales (POSVL) were found to increased banks financial performance though not statistically significant. Web based Technique volume and bank size were negative and not statistically significant on the financial performance of banks. The study there recommends that more ATM centers/ outlets should be opened by banks through the influence of the Central Bank of Nigeria in order to enhance the success of the cash less policy. Point of Sales should be encouraged in business transactions by investors, the government and the general public at large in Nigeria as this would further deepen the penetration of the cashless policy.

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