Challenges and Opportunities of Agent Banking in Ethiopia. A Case Study of Awash Bank

Master's Thesis , 2023 , 66 Pages

Business economics - Banking, Stock Exchanges, Insurance, Accounting

This research project was aimed to describe the challenge and opportunities of agent banking adoption in Ethiopian banking industry. In order to achieve the objective of this study and answer the research questions the researcher adopted descriptive research design and mixed research approach. A total of sixty-five (65) questionnaires were distributed of which 53 questionnaires were distributed to Awash Bank East Addis Ababa Region Staffs, Awash Bank Digital Banking Directorate at Head Office and 12 questionnaires were administered to Awash Bank Agents found in East Addis Ababa Region or District. Purposely sampled method was applied to select the respondents and the researcher received sixty-three (63) responses from (65) questionnaires.

Inhaltsverzeichnis (Table of Contents)

• CHAPTER ONE: Introduction
• 1.1. Background of the Study
• 1.1.1. Background of the organization
• 1.2. Statement of the Problem
• 1.3. Basic Research Questions
• 1.4. Objective of the Study
• 1.4.1. General Objective
• 1.4.2. Specific Objectives
• 1.5. Significance of the Study
• 1.6. Scope of The Study
• 1.7. Limitation of the Study
• 1.8. Definition of Key Terms
• 1.9. Organization of the Study
• CHAPTER TWO: LITERATURE REVIEW
• 2.1. Agency Theory: Theoretical Review
• 2.2. Overview of Agent Banking
• 2.3. Models of Agent Banking
• 2.3.1. Bank-Led Model
• 2.3.2. Bank-Focused Model
• 2.3.3. Non-Bank Led Model
• 2.4. Evolution of E-banking in Ethiopia
• 2.5. Agent banking in Ethiopia
• 2.6. NBE Directive of Agent Banking and Power of the Agent
• 2.7. Challenges of Agent Banking

Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)

This research project aims to analyze the challenges and opportunities of adopting agent banking in the Ethiopian banking industry. The study focuses on the experiences of Awash Bank, examining both the bank's internal policies and practices as well as the perceptions and experiences of its agents and customers.

• Adoption of agent banking in Ethiopia
• Challenges faced by banks in implementing agent banking
• Opportunities presented by agent banking for banks and customers
• Impact of agent banking on the Ethiopian financial landscape
• Recommendations for improving the adoption and effectiveness of agent banking in Ethiopia

Zusammenfassung der Kapitel (Chapter Summaries)

Chapter One provides an introduction to the study, outlining the background of agent banking in Ethiopia, specifically focusing on Awash Bank. The chapter also defines the research problem, research questions, and objectives, as well as the scope and limitations of the study.

Chapter Two delves into a literature review, exploring the theoretical framework of agency theory, the different models of agent banking, and the evolution of e-banking in Ethiopia. It also examines the specific context of agent banking in Ethiopia and the relevant regulations governing this sector.

Schlüsselwörter (Keywords)

Agent banking, banking industry, financial inclusion, financial technology, digital banking, Ethiopia, Awash Bank, challenges, opportunities, regulatory framework.

• College: Addis Ababa University (School of Commerce)
• Course: Business Leadership
• Author: Tesfaye Asalfew (Author)
• Publication Year: 2023
• Pages: 66
• Catalog Number: V1416629
• ISBN (PDF): 9783346966865
• ISBN (Book): 9783346966872
• Language: English
• Tags: agent banking, banking industry, challenge and opportunity, banking