Delivery Of Financial Services Research Articles

The moderation effect of institutional quality on the nexus between migrant remittance and financial inclusion in West Africa

BACKGROUND: Migrants' remittances are critical in financing the economies of Africa and the West African region, in addition to FDI and ODA. It is also a significant driver of financial inclusion. OBJECTIVE: This paper assessed the moderating role of institutional quality on migrants' remittances and financial inclusion in West Africa during 2004–2023. METHODS: Secondary data was used for this study, sourced from the World Bank’s World Development Indicators (WDI), the World Governance Indicator (WGI), and the IMF’s Financial Access Survey (FAS), 2023. This study employed the Panel Fixed Effects (PFE) estimation technique, which accounts for Driscoll and Kraay's (1998) standard error. To ensure the robustness of the findings, the analysis was augmented with the utilisation of feasible generalised least squares (FGLS). RESULTS: There was an overall positive impact of institutional quality on financial inclusion (FI), at a significant rate of 120.8%, accounting for deposit-taking microfinance institutions, thereby highlighting that institutions play a crucial part in improving financial inclusion in West Africa. Also, the moderating effect of institutional quality had a more positive impact on microfinance institutions than commercial banks, at a significant rate of 16.2%. CONCLUSION: In summary, attention should be given to establishing more microfinance institutions as they serve as a better remittance distribution channel when compared to commercial banks, emphasising enhancing quality in financial services delivery. This also encourages more people to be financially included, thereby making better economic use of the remittance received in West Africa.

The Significance of a Financial System in the Economic Advancement of a Country

The financial system of a nation plays a crucial role in its economic development. It serves as a vital link between savings and investments, thereby fostering wealth creation. By facilitating the transfer of funds from households, which act as savers, to businesses that require investment, the system supports the growth and prosperity of both parties involved. Furthermore, the financial system is responsible for the effective allocation of savings, the provision of necessary funds, the facilitation of financial transactions, the development of financial markets, the establishment of a legal financial framework, and the delivery of financial and advisory services within the country. This system encompasses various components, including financial institutions, services, markets, and instruments, all of which are interrelated and function collaboratively. This paper addresses several issues pertinent to the Indian financial system.

Development of a tool to assess financial advocacy service delivery.

21 Background: In 2023, the Association of Cancer Care Centers (ACCC) Financial Advocacy Network published Financial Advocacy Services Guidelines developed through an expert-led, consensus-driven process (1). The Guidelines provide a framework for equitable delivery of financial advocacy (FA) services to address patients’ financial concerns. The Guidelines cover 3 domains: financial advocacy services and functions, program management functions, and partner engagement functions. ACCC adapted the Guidelines into a Financial Advocacy Services Assessment Tool to help cancer care organizations assess and improve service delivery and to advance research of organization-level FA practices across the U.S. Methods: ACCC convened an expert task force to guide this work. ACCC conducted a scan of implementation science literature and health care organizational assessments to inform the development of a rating system for each of the 43 guidelines. Four service delivery levels were identified, and a score was assigned to each level (Table). The tool was programmed in Qualtrics to provide a total score and average score per guideline for each FA domain and sub-domain. The task force added unscored questions about organizational demographics, barriers, and readiness to enable aggregate research and sub-group analysis. ACCC invited members of the Financial Advocacy Network to participate in a pilot via email invitation and provided opportunities for open-ended feedback. Results: 20 cancer centers participated in the pilot between March-May 2024. 15% were academic institutions and 85% were community-based programs (18% of which are directly affiliated with an academic institution). Respondents reported the tool was easy to use and informative for quality improvement efforts. See Table 1 for total scores for initial pilot. Conclusions: Pilot results reflect that all participating cancer centers are already engaged in some level of FA services. Broader dissemination and analysis is ongoing. The assessment provides centers with a practical resource to assess alignment to guidelines and identify opportunities for quality improvement. Regular review of aggregate results will help ACCC provide benchmarks for areas of service delivery, identify barriers to implementation, and monitor trends in FA staffing. 1. Kajdic Hodzic R, Liang MI, et al. Developing consensus-based oncology financial advocacy services guidelines. JCO Oncol Pract. 2023;19(suppl 11):38. Levels of FA service delivery and pilot total scores. Level Description % of pilot cancer centers Level 1 Not performing financial advocacy services. 0% Level 2 Making progress with financial advocacy services, but it is done informally or inconsistently. 35% Level 3 Performing financial advocacy services consistently in at least one key area of the organization. 60% Level 4 Reliably performing financial advocacy services across all key areas of the organization. 5%

FINANCIAL INCLUSION AND THE INFORMAL SECTOR DURING AND POST-COVID 19 ERAS: STATUS, CHALLENGES AND WAY FORWARD

COVID 19 is one of the major disasters that significantly disrupted the socio-economic statuses of various businesses and nations at large. The purpose of the study was to explore the extent to which COVID 19 affected financial inclusion in Zimbabwe. The quantitative research methodology and the purposive sampling technique were employed. Data was collected using in-depth and focus discussion group interviews from 35 participants. Data was analysed using thematic data analysis approach. Barred people in rural areas from accessing financial services which directly and indirectly increased the magnitude of poverty among people running informal businesses. Financial inclusion, is a key driver to poverty reduction; hence the negative impact of on financial inclusion significantly propels poverty in societies. Digitalizing financial services is one of the strategies which can be utilized to promote financial inclusion in the post- era. Financial institutions should use technology in financial services, so that those in rural areas do not incur transport and logistical costs for accessing financial services. Digital finance and other various financial innovations should be used to achieve financial inclusion in rural areas. Policies that encourage the delivery of formal financial services in rural areas should be developed. Governments should consider granting subsidy to providers of financial services so that they can offer basic financial services at low cost to the excluded population. Thus, governments ought to commit themselves to the delivery of accessible, affordable, appropriate and cost-effective financial services to unserved or underserved households. The study provides managers of financial institutions with various techniques of providing financial services to the informal sector in the post- eras in rural areas. It also provides managers with information pertaining to the risks in providing financial services in post-pandemic era in rural areas. Managers of internet service providers has a role in making sure that the rural folk have access to the facility so that digital banking systems become realizable.

Disruption of Traditional Banking Services by Financial Technology in the Digital Economy

Under the rapid development of the digital economy, financial technology is disrupting the traditional banking industry with rapid innovation and technology application. Traditional banks have always been the core of the financial system, but with the rise of technologies such as the Internet, mobile payments and blockchain, the core functions of banks are being challenged. FinTech, with its flexibility and technological advantages, has made significant progress in areas such as payments, lending and wealth management, transforming the delivery of financial services and triggering changes in customer behavior and expectations. Traditional banks are under pressure to digitally transform themselves, while also needing to address new regulatory and security challenges. To survive and continue to play a role in this change, traditional banks need to partner with fintechs to develop new business models and innovative products. By analyzing the disruptive impact of FinTech on traditional banking services, this paper discusses the future development trends and adaptation strategies of the banking industry, aiming to provide theoretical and practical references for the industry.

Investigation Impact Literacy Finance and Socialization Financial to Satisfaction Finance Through Attitude Risk Finance: Perspective Generation Millennials

This study investigates financial literacy and socialization's impact on financial satisfaction through financial risk attitudes. The researchers collected data from 240 respondents aged 24–39 through a web-based self-administered questionnaire. The data were analyzed using Structural Equation Modeling (SEM) with Stata 14 for hypothesis testing. The results showed that financial literacy positively and significantly affected financial satisfaction. In contrast, financial socialization had no significant impact on financial satisfaction. Financial risk attitudes had a significant positive effect, facilitating the relationship between financial literacy and financial satisfaction. Financial risk attitudes also significantly impacted the moderating of financial literacy and financial socialization on financial satisfaction. The findings of this study contribute to the literature on financial satisfaction and encourage the successful delivery of financial services to the millennial generation, followed by recommendations for providing financial literacy for individuals. The results of this study can also be a reference for public policy development.

EFFECTS OF FINANCIAL INCLUSION ON POVERTY REDUCTION, SAVINGS AND NIGERIA ECONOMIC GROWTH: 1980 -2022

This study examined the financial inclusion and Nigerian economic growth for the period 1980-2022. The study considered the following three objectives; to examine the significant impact of financial inclusion on the Nigerian economic growth, evaluate the impact of financial inclusion on poverty reduction in Nigeria and to ascertain the impact of financial inclusion no savings growth in Nigerian economy. Secondary time series data were used to carry out the empirical analysis. The study employed the aid of vector error correction model (VECM) approach, Augmented Dickey-Fuller (ADF) and Phillips-Perron tests, Co-integration Test and ECM. Based on the above econometric and statistic techniques conducted, it was observed that financial inclusion has significant positive impact on the Nigerian economic growth. Our results indicated that financial inclusion has significant positive impacts on poverty reduction in Nigeria. Furthermore, the result reported that financial inclusion has significant positive impact on the Nigerian savings growth within the study period (1980-2022). These empirical results do support that; One percent decrease in the interest rate (ITR), inflation rate (IFR) and exchange rate (EXR) at lag (-2) will lead to [31% (ITR)-2), 53%(IFR)-2), and 8%(EXR)-2)] increases on the aggregate saving (ASE) Nigeria economy. One percent increase in the financial inclusion proxy by; deposit from the rural areas (DRA), loan to rural areas (LRA), account owners of any type (AA) and electronic money banking/payment system (EMB) at lag (-2) will lead to [38%(DRA)-2), 29%(LRA)-2), 59%(AA)-2) and 03%(EMB)-2)] increases on Per capita income (PCI) respectively in Nigeria. Based on these findings, the researcher recommends that; Nigeria governments should fund financial inclusion programs preferring financial literacy as a national strategy for financial inclusion because it is relatively cheaper to educate the population about financial management and the benefits of using formal financial services. Stable electricity supply to drive the infrastructural facilities provided by banks, telecommunication companies and other related service providers such availability and affordability of financial services in Nigerian monetary authority (CBN) should increase the number of formal account ownership by building up trust securities in financial institutions operation in Nigeria, remove all obstacles for account ownership such as income and age bracket bias, distance in location and education discrimination in the delivery and use of financial services

Intention to use fintech services: An investigation into the moderation effects of quality of internet access and digital skills

This paper aims to investigate the moderating influence of the quality of access to internet and digital skills on the factors that influence the intention to use fintech services among the young working population in India. We use the Theory of Planned Behavior to examine the intention to adopt financial technology in a rapidly technologically transformative Indian landscape. We conducted an empirical investigation on 324 young workers in India using the survey method. The TPB model's relevance in an Indian context is validated. Attitude, perceived behavioral control, and subjective norms together accounted for 48.7% of the variation in the intention to use fintech services. The quality of internet access significantly moderated the positive effect of young workers' attitudes on their intention to use fintech. Digital skills significantly moderated the positive effects of attitude and perceived behavioral control on intentions to use fintech services. India is considered a very fast adopter of digital technology. In India, the use of electronic channels in financial service delivery is on the rise. With the wide geographic dispersion and huge population, the quality of internet access and digital skills can influence the intention to use fintech services. There can be vast differences in the behavioral mindset of people in a developing country like India compared to that of a developed one regarding the use and adoption of digital platforms for accessing financial services. Developers and regulators must adopt approaches and policies that consider these behavioral factors. This paper examines the Theory of Planned Behaviour in the context of a rapidly transforming behavioural context in India with the adoption of technology-based financial services. The importance of quality internet access and digital skills as factors moderating the adoption of technology is examined in this paper, unlike many previous studies.

Manajemen Dana Bank Syariah Dalam Perspektif Islam

The fundamental precepts of Islamic jurisprudence, which proscribe usury and ambiguity, serve as the cornerstone for the operational framework governing fund management within Islamic banking institutions. Various financial products and services pertaining to fund management, including Islamic financing and trust investment, are structured to afford clientele the opportunity to administer their assets in alignment with Shariah tenets. It is imperative to recognize that fund management within Islamic banks transcends mere technical proficiency, encompassing a profound ethical dimension inherent in the delivery of financial services. The primary objective of this investigation is to elucidate the multifaceted role of Islamic banks as not solely profit-centric entities, but as catalyzing agents of societal transformation, advocating principles of equitable distribution and enduring economic viability. As Islamic banks assume an increasingly prominent position within the global financial landscape, empirical findings underscore their capacity to effectuate positive socio-economic change through adept investment strategies and judicious utilization of technological resources. This empirical inquiry underscores the potential of Islamic banks to foster equitable and sustainable economic development consonant with the precepts delineated in the Quranic scripture, Hadith traditions, and scholarly consensus.

Effect of digital financial inclusion on banking for the poor in African emerging economies

PurposeThis paper studies the effect of digital financial inclusion in banking on the poor and deprived populations of African emerging economies from 1997 to 2023.Design/methodology/approachAutomated teller machines, mobile payments and mobile money transactions measure digital financial inclusion. Household consumption expenditure proxies poverty reduction. The autoregressive distributed lag analyzes the study.FindingsThe results indicate that automated teller machines, mobile money transactions and financial deepening positively affect poverty reduction, while mobile payments negatively affect poverty reduction. Digital financial inclusion decreases poverty via increased investment and empowerment.Research limitations/implicationsDigital financial products and services should be expanded to all population segments in the economies. The governments should improve the quality and quantity of institutions that guarantee the operation of digital financial activities through the enforcement of law and order. The quality and quantity of mobile money transactions and financial deepening should be increased. The costs and charges involved in using automated teller machines and mobile payments should be regulated to relieve the burden on the population. The government should facilitate access to digital financial services via power supply, transport and telecommunication networks. Banks and telecommunications service providers should improve the payment system network to ensure cost-effective, convenient and secure financial service delivery. The digital infrastructure and financial services markets should be enhanced to fully capture the gains of financial inclusion and reduce poverty.Originality/valueA literature review provides studies with conflicting findings on the effect of digital financial inclusion on poverty reduction. This study supports that digital financial inclusion decreases poverty.

From Cogs to Connectivity: Fintech and the Industrial Revolution of Finance

This article provides an in-depth analysis of the profound impact that financial technology (Fintech) has had on the financing landscape for small and micro enterprises in China. Drawing from the insights of numerous reputable institutions and research findings, it underscores the pivotal role played by Fintech in facilitating the digital transformation of these enterprises. This transformative role encompasses a paradigm shift in credit delivery methods, heightened credit efficiency, and reduced default risks. Furthermore, the article delves into how Fintech actively fosters financial inclusion, leading to positive reforms within the financial market and enhancing the delivery of financial services. Nevertheless, the discussion does not shy away from addressing the potential technological and legal risks that accompany the rapid development of Fintech, particularly the challenges pertaining to network security and regulatory oversight. In essence, Fintech has injected newfound dynamism into China's financial sector while introducing a spectrum of prospective risks. With ongoing technological advancements and regulatory enhancements, Fintech is poised to sustain its pivotal role in China's financial landscape, propelling innovation and advancing financial services.

Research on integration of enterprise ERP and E-commerce systems based on adaptive ant colony optimization

Integrating the E-commerce system with an enterprise resource planning tool can help the firm improve performance, maintain customers, and increase sales. In Enterprise Resource Planning, integration features can be provided either as developed features or as separate assignments and contributions. Problems with the online platform, improper addresses, rejected payments, and especially apparent transactions are frequent problems for online buyers. The enhanced Adaptive Ant Colony Optimization is utilized to optimize the rural E-commerce express of transportation. Several innovative routes can lower the downlink transportation cost and reach all collecting places with a fast delivery route. Convolutional Neural Networks were utilized to increase the collective innovation of the E-commerce platform and simplify network communication. E-commerce is a mechanism used to market information services and products. Hence, ERP-AACO-CNN has been designed to integrate Enterprise Resource Planning and E-commerce, and business operations can stream smoothly from the front to the back of the business. Statistics on sales orders, customers, stock levels, price, and essential performance measurement systems. The automated invoices, frequent communications, financial report preparation, product and service delivery, and material requirements planning. The most significant results will likely finance businesses that employ it as a stimulant for a wide-ranging process improvement. In addition, E-commerce is a valuable innovation that connects buyers and sellers in various corners of the globe. Customer satisfaction is projected to be more significant than fault detection at 95.2 % accuracy for the proposed method’s E-commerce system with the superior value. According to client demand, an E-commerce system is the most accurate development at a given input level, and a future ERP is 64.9% efficient. The proposed approach has a 24.5% random error rate and a 13.2% mean square error rate. A comparison of E-commerce and enterprise ERP precision to the proposed technique yields 83.8% better results.

A Study on the Impact of Digital Transformation in the Banking Sector on Customer’s Experience

The bank sector underwent enormous transformation with looming of digital technologies, fundamentally reshaping the delivery of financial services and experienced by customers. The current trends in digital banking are cloud computing, digitalization, real time payments, automation and like this. In India’s banking sector, digital payment is predicted to increase to $135.2 billion in 2023 and growing at a CAGR of 12.7% from 2020 to 2025.This paper aims to find the impact of digital transformation on customer experience within the banking industry. Furthermore, the paper analyses how digital transformation initiatives, such as mobile banking apps, peer-to-peer payments apps, AI-powered chatbots, and blockchain have revolutionized the way customers interact with banks. It explores the way technologies have enhanced the speed and efficiency of transaction, and account management processes, and enable personalised services tailored to individual customer’s needs. This paper focuses on Tirunelveli district respondents who are the users of digital banking. The variables are service quality (website organisation, reliability, responsiveness, user friendly, personal need, efficiency) and relationship quality (digital commitment, digital trust, digital satisfaction, digital loyalty). The primary data was collected with a structured questionnaire from 350 respondents. Chi square analysis done with the help of SPSS software. This research helped in better understanding of the customer's experience in advanced technologies. The findings shows that there is no association between relationship quality and demographic factors. The service quality differs from each bank with respect to website organization, efficiency, personal need, reliability and user friendly.

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

Aims: The mobile and internet revolution has influenced creation and delivery of financial services leading to more innovative ways of linking customers and partners. Electronic Banking (e-banking) has opened up a new channel of banking resulting in new capabilities for banks as intermediaries. The research questions that the study sought to answer include, the role of mobile banking on the financial performance in Kenyan commercial banks, the effect of Electronic Funds Transfer (EFT) on the financial performance of Kenyan commercial banks.
 Study Design: The research adopted descriptive design with quantitative data approaches.
 Place and Duration of Study: The target population was made up of 24 Kenyan Commercial Banks in the North Coast region of Kenya with a total of 240 employees. These banks are top tier lead brands listed in the stock exchange in the banking sector in Kenya between December 2022 and July 2023.
 Methodology: Strata of top management (section heads), middle managers (branch managers and super agents) and operational employees (lower cadre employees & credit officers) provided 72 respondents. Both secondary and primary data sources were used with the self-administered questionnaires containing both open and closed ended questions. Data analysis included descriptive statistics, correlation and multiple regression on a model of Y = 1.518+ 0.438 X1 + 0.136 X2 + ε.
 Results: The correlation of the independent variables and the dependent variable was high and positive at 0.697 and 0.573 for mobile banking and Electronic Funds Transfer on financial performance respectively. The value of the adjusted R squared was found to be 0.654. The value of F-statistic was found to be 44.919 and it p-value 0.000. The regression coefficient of mobile banking was found to be 0.438 with a t-statistic value of 6.126.
 The regression coefficient of EFT was found to be 0.136 with a t-statistic value of 6.182.
 Conclusion: There is a strong relationship between mobile banking, EFT and financial performance of commercial banks in Kenya. M-banking has significantly reduced operational costs while EFT has increased the number of daily transactions. The study established that the popularity of m-banking has is due to the intensity of technology penetration of mobile phones to bank customers which has resulted in the number of customers registering for m-banking services to increase in the last five years. Commercial banks have also experienced increased ROA and growth in market share with adoption of e-banking.

Development and validation of a multi-dimensional scale to measure the factors influencing fintech firms’ capacity to impact digital financial inclusion

The purpose of the present study is to develop a multi-item scale to measure the factors that affect fintech firms’ capacity to impact digital financial inclusion. Fintech, or financial service delivery supported by advanced technology, has tremendously changed the financial services landscape. It has a potential to improve digital financial inclusion and help the poor. Digital financial inclusion is important since it ensures cost-saving digital mechanisms to provide financial services to the financially excluded and underserved populations. Following an inductive method, a qualitative study was undertaken among managerial staff in fintech firms. The scale development process involved the collection of primary data for pre-testing the questionnaire. The study identified four factors that affect a fintech firm’s capability of impacting digital financial inclusion: resources and capabilities, business models, networks and partnerships, and market and environment. Digital financial inclusion scale is composed of digital skills, access, and quality of access. The final scale consisted of sixty-four items. Though financial inclusion is usually measured from a demand-side perspective, this study provides a supply-side measure for digital financial inclusion. Thus, it can help in identifying and understanding the factors that may hamper fintech firms’ capability to attain desirable outcomes with respect to digital financial inclusion.

Factors affecting country fintech: an European analysis

Purpose- FinTech represents all innovation related to how businesses seek to improve the process, delivery, and use of financial services and it is not a mere technological phenomenon. Considering that the various innovations in the financial and technological fields require the use of explanatory indices, the aim of this work is to propose an analysis of the factors that influence the degree of adoption of Fintech in the European countries. Methodology- We use a correlation model in order to highlight the first results on the relationship between the degree of Fintech at a geographical level and some explanatory variables. The final sample consists of 28 European countries that have all variables requested in the analyisis. Specifically, the level of Fintech is measured by The Global Fintech Index developed by Findexable, while the factors that influence the Fintech come from dataset of International Monetary Fund (IMF): the number of ATMs, number of commercial bank branches, while the intensity of outstanding deposits with commercial banks and outstanding loans from commercial banks is lower Findings- Regarding the analysis of the year 2021, our result indicates preliminarily that Fintech is negatively affected by the number of ATMs, number of commercial bank branches, while the intensity of outstanding deposits with commercial banks and outstanding loans from commercial banks is lower. This findings are consistent with this assumption: one of the driver of the Fintech is the digitalization. Conclusion- The result of our model indicates that the degree of Fintech at a geographical leve seems to be linked to explanatory variables that are related to the banking world. This represents a useful information to academic, practitioners and policymakers. In fact, according to literature, Fintech has an effect on financial system and financial stability. Therefore the explanation of Fintech phenomenon and its measurement represent a crucial point. Future extensions of research could consider additional measures of Fintech and a focus on the most representative explanatory variables. Keywords: Fintech, financial system, banks, banking, digitalization. JEL Codes: G20, G29, 030

FinTech, economic growth, and COVID-19: International evidence

The growth of financial institutions is typically considered a factor that contributes to economic expansion. Financial institutions’ use of financial technology (FinTech) has resulted in changes in the delivery of financial services, subsequently affecting economic growth. However, the pandemic disrupted the demand and supply of goods worldwide, which has had a detrimental impact on the economy. It is worth investigating whether the global economic slump created by the pandemic have a beneficial influence on the national economy because of the introduction of innovative technologies. Using 778 country-year observations from 193 countries between 2018 and 2021, this study examines and finds that the positive impact of FinTech on economic growth is more pronounced during the pandemic. Further analysis shows that this association holds only in countries with high Internet usage, suggesting that the incremental impact of FinTech on economic growth during the pandemic depends on the extent of local Internet usage. Overall, our findings suggest that FinTech plays an important role in reducing the severity of the pandemic’s subsequent economic impact.

Financial Accountability and Service Delivery in Kabale District, Uganda

This research was conducted in Kabale District Local Government to examine the effect of financial accountability on service delivery. The predictor variables under study were funds disbursement, auditing process and record-keeping systems, while service delivery was the outcome variable. The study followed a cross-sectional survey. Data from 86 respondents was collected and analyzed quantitatively, complemented with qualitative analysis. Since descriptive analysis entailed a description of a single variable and its attributes, frequency tables were used to present the data. At the bivariate level, a Pearson correlation matrix was conducted to ascertain the relationships between the predictor variables and the dependent variable. A linear regression model was used to fit the data. Research findings from the regression model show that funds disbursement (R=862), Auditing process (R=656 and record-keeping systems (R=899) have a positive significance on the service delivery of Kabale District local government. The main conclusion drawn from this research is that funds disbursement, auditing process and record-keeping systems have a significant effect on service delivery.

Determinants of the customer participation in financial services delivery through technology

In the post-pandemic era, client preparedness, motivation for technological adoption, and appreciation for technology-enabled financial services all need substantial study and analysis. The study investigates the factors that impact customer participation in financial institutions’ fin-tech offerings. To investigate the factors that influence customers’ engagement in fin-tech services, a well-structured questionnaire was sent to 423 respondents through a suitable sample approach. SPSS-25 and SEM analysis were used to determine the determinants and important variables. The factor analysis found that six variables accounted for 72.04% of the variation. Following SEM regression analysis, it was shown that Trust (β =0.44, P =0.000), User Experience (β =0.31, P =0.000), and the regulatory framework (β =0.29, P =0.000) all had a substantial influence on customer engagement. The findings of the study will aid all strategic planners in developing strategies and policies to increase consumer engagement in the provision of financial services.

Effective Asset Management Strategies A Bridge to Sustainable Financial Service Delivery in Developing Economies: A Case Study of Ngora District Local Government-Uganda

Effective Asset Management Strategies A Bridge to Sustainable Financial Service Delivery in Developing Economies: A Case Study of Ngora District Local Government-Uganda