ELECTRONIC BANKING AND ECONOMIC GROWTH IN NIGERIA

This research investigates electronic banking and economic growth in Nigeria using data from the
Central Bank of Nigeria (CBN) statistical bulletin spanning from 1990 - 2021. The methodology
employed include: ADF test for unit root, ARDL Bound Test for Co-integration, ARDL, and diagnostic
tests like, Normality test, Stability test, Granger causality test, and hypothesis testing. The unit root test
result shows that the variables are in a mixed order of stationarity, three of the variables are stationary at
a level while two is stationary at first difference. ARDL Bound Test for Co-integration shows that there is
no long-run relationship between the variables in the model. The short-run result, ARDL results indicated
that Automated Teller Machine (ATM), Point of Sale (POS), and Mobile Banking (MOB) exerted a
positive and insignificant impact on gross domestic investment (GDI) in Nigeria during the period under
investigation. The policy implication of this result is that an increase in Automated Teller Machine
(ATM), Point of Sale (POS), and Internet Banking or Internet Banking (WEB) can fuel gross domestic
investment (GDI) in Nigeria both in the short run. Also, Mobile Banking (MOB), exerted a negative
relationship with gross domestic investment (GDI), implying that an increase in Mobile Banking (MOB),
is capable of reducing gross domestic investment (GDI) both in the short run. From the Granger
Causality test, it was also observed that ATM and POS have uni-directional causation with GDI, while
WEB and MOB have a bi-directional causation with GDI. The test of the hypothesis shows that
Automated Teller Machine (ATM), Point of Sale (POS), Mobile Banking (MOB), and Web Banking
(WEB) exerted an insignificant impact on Gross Domestic Investment in Nigeria in the short run.
Enhanced internet banking services are recommended, hence, there is a need to improve financial
literacy and access to electronic banking services.

本研究基于尼日利亚中央银行（Central Bank of Nigeria, CBN）1990-2021年的统计公报数据，探讨尼日利亚电子银行业与经济增长的关系。本研究采用的方法包括：单位根ADF检验、自回归分布滞后（ARDL）边界协整检验、ARDL模型，以及正态性检验、稳定性检验、格兰杰因果检验等诊断检验与假设检验。单位根检验结果显示，各变量为混合阶单整，其中3个变量在水平阶平稳，2个变量需经一阶差分后方可达到平稳。自回归分布滞后边界协整检验结果表明，模型内各变量间不存在长期协整关系。短期ARDL模型结果显示，在样本考察期内，自动柜员机（Automated Teller Machine, ATM）、销售点终端（Point of Sale, POS）与移动银行（Mobile Banking, MOB）对尼日利亚国内总投资（Gross Domestic Investment, GDI）产生正向但不显著的影响。本研究结果的政策启示为：提升自动柜员机、销售点终端与网络银行（Internet Banking, WEB）的应用规模，可在短期内拉动尼日利亚国内总投资；同时，移动银行与国内总投资呈负向关联，即移动银行的普及会在短期内抑制尼日利亚国内总投资。格兰杰因果检验结果显示，自动柜员机与销售点终端与国内总投资存在单向因果关系，而网络银行与移动银行则与国内总投资存在双向因果关系。假设检验结果表明，自动柜员机、销售点终端、移动银行与网络银行在短期内对尼日利亚国内总投资的影响均不显著。据此，本研究建议优化网络银行服务，同时提升公众金融素养与电子银行业务的可及性。

搜集汇总

背景与挑战

背景概述

该数据集是一篇学术文章，研究尼日利亚电子银行与经济增长的关系，使用1990-2021年中央银行统计数据，通过ADF、ARDL等方法分析ATM、POS、移动银行和网络银行对国内总投资的影响。研究发现这些电子银行方式在短期内对投资影响不显著，但ATM和POS与投资有单向因果关系，而网络和移动银行则有双向因果关系。