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加纳的移动货币交易与银行业表现

Mobile money transactions and banking sector performance in Ghana.

作者信息

Kulu Evans, Opoku Alexander, Gbolonyo Emmanuel, Tayi Kodwo Mark Anthony

机构信息

C.K. Tedam University of Technology and Applied Sciences, Department of Industrial Mathematics, Navrongo, Ghana.

University of Cape Coast, Department of Applied Economics, School of Economics, Cape Coast, Ghana.

出版信息

Heliyon. 2022 Sep 29;8(10):e10761. doi: 10.1016/j.heliyon.2022.e10761. eCollection 2022 Oct.

DOI:10.1016/j.heliyon.2022.e10761
PMID:36203908
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC9529561/
Abstract

This study examines the effect of mobile money transactions on banking sector performance in Ghana using monthly data for the period 2015-2020. A composite index of banking sector performance was created from three indicators namely; depth, stability and efficiency of the banking sector. Using the Autoregressive Distributed Lag (ARDL) bounds test for cointegration, the Error Correction Model (ECM) and impulse responses analysis, the findings revealed that mobile money transaction has a detrimental effect on banking sector performance. Findings from the disaggregated components indicate that mobile money transactions hurt banking sector efficiency, while its effect on banking sector depth and stability is insignificant in the long run. It is concluded that the implication varies from one indicator to another concerning the direction and magnitude of the influence. The study, therefore, recommends that banks exercise much caution in their decision to consider adopting mobile money-based services when designing their business models.

摘要

本研究利用2015 - 2020年的月度数据，考察了移动货币交易对加纳银行业绩的影响。银行业绩的综合指数由三个指标构成，即银行业的深度、稳定性和效率。通过运用自回归分布滞后（ARDL）协整边界检验、误差修正模型（ECM）和脉冲响应分析，研究结果表明移动货币交易对银行业绩有不利影响。分类成分的研究结果表明，移动货币交易损害了银行业效率，而从长期来看，其对银行业深度和稳定性的影响并不显著。研究得出结论，就影响的方向和程度而言，不同指标的影响各不相同。因此，该研究建议银行在设计商业模式时，在考虑采用基于移动货币的服务的决策上要格外谨慎。

https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/923d7c25a8a1/fx4.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/4d62f81a5d47/gr1.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/13a68f4ac98e/gr2.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/652e295f5e46/gr3.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/f1ee4a23798e/gr4.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/abc827c1747c/fx1.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/ed7e87407b5a/fx2.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/a9a5a6f97dda/fx3.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/923d7c25a8a1/fx4.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/4d62f81a5d47/gr1.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/13a68f4ac98e/gr2.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/652e295f5e46/gr3.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/f1ee4a23798e/gr4.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/abc827c1747c/fx1.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/ed7e87407b5a/fx2.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/a9a5a6f97dda/fx3.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/150d/9529561/923d7c25a8a1/fx4.jpg

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