Influence of Agency Banking on Financial Access in Rural Nigeria
Banking and Finance — 2025, Undergraduate
This study investigated the influence of agency banking on financial access in rural Nigeria. A survey was conducted with agency operators and rural customers using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that agent networks significantly expanded access to deposits, withdrawals, and transfers in underserved communities, reducing travel time and transaction costs. However, liquidity constraints, technology failures, and trust issues limited service quality in some locations. The study recommends improved agent liquidity management, robust technology platforms, and supervisory support for agency banking.
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