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All Journal Journal of Management Studies and Development Jurnal Genesis Indonesia Buletin Edukasi Indonesia Journal of Organizational and Human Resource Development Strategies Advances in Psychological Sciences and Applications
Chali, Gudata Abara
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Journal : journal of management studies and development

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Financial Innovation and Its Effect on Financial Performance: The Case of Commercial Bank of Ethiopia, Nekemte Town Branches Chali, Gudata Abara
Journal of Management Studies and Development Vol. 5 No. 01 (2026): Journal of Management Studies and Development
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/IISTR.jmsd.002018

Abstract

This study examines the effect of financial innovation on the financial performance of the Commercial Bank of Ethiopia (CBE) in Nekemte Town. As banking shifts toward revenue-oriented digital strategies, identifying high-impact technologies is essential. A census survey of 56 branch managers and vice-managers from ten branches was analyzed using Pearson correlation and multiple regression (SPSS 26). Five innovation dimensions were evaluated: product innovation, process innovation, mobile banking, technology transfer, and remittance technology. Findings reveal that remittance technology is the strongest predictor of financial performance (β = 0.661, p < 0.01), followed by process innovation (β = 0.213) and mobile banking (β = 0.193). The regression model explains 92.7% of performance variance (R² = 0.927), indicating substantial explanatory power. The results suggest that profitability in regional markets depends largely on efficient payment and fund transfer systems. The study recommends expanding digital onboarding services and exploring blockchain solutions to reduce transaction costs and strengthen competitive advantage.
Determinants of Customer Satisfaction with Automated Teller Machine (ATM) Services: An Empirical Study of the Commercial Bank of Ethiopia, Nekemte Town Nemomsa, David; Bekama, Tekalign; Chali, Gudata Abara; Abdisa, Lalisa Mamo
Journal of Management Studies and Development Vol. 5 No. 02 (2026): Article in Press - Journal of Management Studies and Development
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/IISTR.jmsd.002101

Abstract

This study investigates the determinants of customer satisfaction with Automated Teller Machine (ATM) services at the Commercial Bank of Ethiopia (CBE) in Nekemte Town, within the context of Ethiopia’s rapidly expanding digital financial sector. ATMs play a vital role in improving banking accessibility and supporting financial inclusion, making customer satisfaction an important indicator of service quality and operational effectiveness. The research employed descriptive and explanatory research designs using quantitative methods. Primary data were collected from 184 active ATM users through structured questionnaires and analyzed using Pearson correlation and multiple linear regression techniques. The findings reveal that the reasonableness of transaction fees, accessibility and strategic location of ATMs, and the diversity of services available through ATM platforms significantly and positively influence customer satisfaction. Although respondents frequently reported technical malfunctions and operational interruptions, the variable representing the frequency of problems was not statistically significant in the regression model. This finding suggests that customers may have become accustomed to recurring technical issues within the banking system. The study concludes that improving ATM reliability, ensuring consistent machine functionality, expanding service features, and reviewing transaction fee structures are essential strategies for enhancing customer satisfaction and maintaining the bank’s competitive position in Ethiopia’s evolving digital banking environment.
Co-Authors Abdisa, Lalisa Mamo Adeba, Lema Bekama, Tekalign Gamtessa, Lalisa Kenea Nemomsa, David