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Effect of branchless banking strategy on profitability of Nepalese commercial banks / Jivan Kumar Pandit
Title : Effect of branchless banking strategy on profitability of Nepalese commercial banks Material Type: printed text Authors: Jivan Kumar Pandit, Author Publication Date: 2019 Pagination: 124p. Size: GRP/Thesis Accompanying material: 15/B Languages : English Abstract: Banking sectors have innovated the use of branchless banking through agency banking, internet banking, automated teller machine (ATM), mobile banking and point of sale (POS) services. Branchless banking results into reduction of banking cost to both bank and to its customers. Therefore, agency banking, internet banking, ATM banking, mobile banking and POS banking are rapidly growing in terms of their usage.
The major objective of the study is to analyze the effect of branchless banking strategy on profitability of Nepalese commercial banks. More specifically, it identifies the effect of agency banking, internet banking, ATM banking, mobile banking and POS banking on profitability of Nepalese commercial banks.
The respondents of the study are the customer of the Nepalese commercial banks. The
opinions of 211 respondents were analyzed in order to know the perception of employees
regarding on effect of branchless banking strategy on profitability of Nepalese commercial banks. The Pearson’s correlation coefficients matrix test, step-wise regression was conducted to order to analyze the relationship between branchless banking and profitability of Nepalese commercial banks. The descriptive research conducted for fact finding of different variables. The study is based on primary and secondary sources of data from commercial banks of Nepal. Primary data were gathered for 23commercial bank from the 211 respondents through questionnaire. The respondents’ views were collected who work in commercial bank in Nepal. The study also used annual reports of 2017/18 of selected commercial banks to collect data.
The descriptive results show that weighted average mean scale for agency banking services is 4.19. It indicates that banks are profitability on the quality of agency banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through agency banking services. Similarly, weighted average mean scale for internet banking services is 4.27. It indicates that banks are profitability on the quality of internet banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through internet banking services. Likewise, weighted average mean scale for ATM banking services is 4.24. It indicates that banks are profitability on the quality of ATM banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through ATM banking services.
Similarly, weighted average mean scale for mobile banking services is 4.29. It indicates that banks are profitability on the quality of mobile banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through mobile banking services. Likewise, weighted average mean scale for POS banking services is 4.22. It indicates that banks are profitability on the quality of POS banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through POS banking services.
The result shows that agency banking is positively related to return on assets which indicates that better agency banking services leads to increase in return on assets. Likewise, internet banking is positively related to return on assets indicating that better the internet services, higher would be the return on assets. Similarly, ATM services are positively related to return on assets. It means that better ATM services leads to increase in return on assets. The result also shows that mobile banking is positively related to return on assets. It means that better mobile banking services leads to increase in return on assets. Likewise, point of sale is positively correlated to return on assets. It indicates that increase in point of sale services in retail stores leads to increase in return on assets.
The result also shows that agency banking is positively related to return on equity which indicates that better agency banking services leads to increase in return on equity in Nepalese commercial banks. Likewise, internet banking is positively related to return on equity indicating that better the internet services, higher would be the return on equity. Similarly, ATM services are positively related to return on equity. It means that better ATM services leads to increase in return on equity. The result also shows that mobile banking is positively related to return on equity. It means that better mobile banking services leads to increase in return on equity. Likewise, point of sale is positively correlated to return on equity. It indicates that increase in point of sale services in retail stores leads to increase in return on equity.
The result shows that the beta coefficients for agency banking are positive with return on assets. It indicates that better agency banking services have positive impact on return on assets. Similarly, the beta coefficients for internet banking are positive with return on assets. This indicates that better internet banking has positive impact on return on assets. Likewise, the beta coefficients for ATM banking are positive with return on assets. This indicates that better ATM banking has positive impact on return on assets. Likewise, the beta coefficients for mobile banking are positive with return on assets. It indicates that better mobile banking has positive impact on return on assets. The result also reveals that beta coefficients for agency banking and internet banking are significant at five percent and one percent level of significance respectively.
The result shows that the beta coefficients for agency banking are positive with return on equity. It indicates that better agency banking services have positive impact on return on equity. Similarly, the beta coefficients for POS banking are positive with return on equity. This indicates that better POS banking has positive impact on return on equity. Likewise, the beta coefficients for ATM banking are positive with return on equity. This indicates that better ATM banking has positive impact on return on equity. Likewise, the beta coefficients for mobile banking are positive with return on equity. It indicates that better mobile banking has positive impact on return on equity. The result also reveals that beta coefficients for agency banking and POS banking are significant at five percent and one percent level of significance respectively.
Effect of branchless banking strategy on profitability of Nepalese commercial banks [printed text] / Jivan Kumar Pandit, Author . - 2019 . - 124p. ; GRP/Thesis + 15/B.
Languages : English
Abstract: Banking sectors have innovated the use of branchless banking through agency banking, internet banking, automated teller machine (ATM), mobile banking and point of sale (POS) services. Branchless banking results into reduction of banking cost to both bank and to its customers. Therefore, agency banking, internet banking, ATM banking, mobile banking and POS banking are rapidly growing in terms of their usage.
The major objective of the study is to analyze the effect of branchless banking strategy on profitability of Nepalese commercial banks. More specifically, it identifies the effect of agency banking, internet banking, ATM banking, mobile banking and POS banking on profitability of Nepalese commercial banks.
The respondents of the study are the customer of the Nepalese commercial banks. The
opinions of 211 respondents were analyzed in order to know the perception of employees
regarding on effect of branchless banking strategy on profitability of Nepalese commercial banks. The Pearson’s correlation coefficients matrix test, step-wise regression was conducted to order to analyze the relationship between branchless banking and profitability of Nepalese commercial banks. The descriptive research conducted for fact finding of different variables. The study is based on primary and secondary sources of data from commercial banks of Nepal. Primary data were gathered for 23commercial bank from the 211 respondents through questionnaire. The respondents’ views were collected who work in commercial bank in Nepal. The study also used annual reports of 2017/18 of selected commercial banks to collect data.
The descriptive results show that weighted average mean scale for agency banking services is 4.19. It indicates that banks are profitability on the quality of agency banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through agency banking services. Similarly, weighted average mean scale for internet banking services is 4.27. It indicates that banks are profitability on the quality of internet banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through internet banking services. Likewise, weighted average mean scale for ATM banking services is 4.24. It indicates that banks are profitability on the quality of ATM banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through ATM banking services.
Similarly, weighted average mean scale for mobile banking services is 4.29. It indicates that banks are profitability on the quality of mobile banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through mobile banking services. Likewise, weighted average mean scale for POS banking services is 4.22. It indicates that banks are profitability on the quality of POS banking services provided by Nepalese commercial banks. In other words, the results indicate that Nepalese commercial banks able to profitability through POS banking services.
The result shows that agency banking is positively related to return on assets which indicates that better agency banking services leads to increase in return on assets. Likewise, internet banking is positively related to return on assets indicating that better the internet services, higher would be the return on assets. Similarly, ATM services are positively related to return on assets. It means that better ATM services leads to increase in return on assets. The result also shows that mobile banking is positively related to return on assets. It means that better mobile banking services leads to increase in return on assets. Likewise, point of sale is positively correlated to return on assets. It indicates that increase in point of sale services in retail stores leads to increase in return on assets.
The result also shows that agency banking is positively related to return on equity which indicates that better agency banking services leads to increase in return on equity in Nepalese commercial banks. Likewise, internet banking is positively related to return on equity indicating that better the internet services, higher would be the return on equity. Similarly, ATM services are positively related to return on equity. It means that better ATM services leads to increase in return on equity. The result also shows that mobile banking is positively related to return on equity. It means that better mobile banking services leads to increase in return on equity. Likewise, point of sale is positively correlated to return on equity. It indicates that increase in point of sale services in retail stores leads to increase in return on equity.
The result shows that the beta coefficients for agency banking are positive with return on assets. It indicates that better agency banking services have positive impact on return on assets. Similarly, the beta coefficients for internet banking are positive with return on assets. This indicates that better internet banking has positive impact on return on assets. Likewise, the beta coefficients for ATM banking are positive with return on assets. This indicates that better ATM banking has positive impact on return on assets. Likewise, the beta coefficients for mobile banking are positive with return on assets. It indicates that better mobile banking has positive impact on return on assets. The result also reveals that beta coefficients for agency banking and internet banking are significant at five percent and one percent level of significance respectively.
The result shows that the beta coefficients for agency banking are positive with return on equity. It indicates that better agency banking services have positive impact on return on equity. Similarly, the beta coefficients for POS banking are positive with return on equity. This indicates that better POS banking has positive impact on return on equity. Likewise, the beta coefficients for ATM banking are positive with return on equity. This indicates that better ATM banking has positive impact on return on equity. Likewise, the beta coefficients for mobile banking are positive with return on equity. It indicates that better mobile banking has positive impact on return on equity. The result also reveals that beta coefficients for agency banking and POS banking are significant at five percent and one percent level of significance respectively.
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Barcode Call number Media type Location Section Status 649/D JIV Thesis/Dissertation Uniglobe Library Philosophy & Psychology Available