IMPACT OF DIGITAL BANKING TECHNOLOGY ON THE GROWTH OF SME, IN OGUN STATE
Abstract
TI1e research in, .:,;:at-:-d th, cff'"''-'tS ""r Digit:il B,rnk111i1 l\•d111ohwy 011
the grO\\th of S111all and \k1.:·.mn 1:nt1.'rpn..;c, ('°'\11,) i11 ( >1•u11 St:tll!. Its go.'.!.>· \\ re to ,:,,,2,, ·1en, digital l".1nk in ll'l"hnnln'- i1117m:1KL'"' I lie
operational efficin..:-'-""'.,\ 11 "'.111d l\.' \.'\ .1lu,1t\.' its crrt:Ct Oil tlH..:ir firlilll(,,i,rl
perfomiance. A ..:,2,.:· '""''.;\ ··..:-,(',1rl.'.'h design \\n'- chnscn for the study.
focusing on a,'· \ :E o, ..,·, •..., ()gun "t.ltc registered under the Small and
1ediuni Enterr· --, o-•1.''"' 'K'lt Ag.enc) or Nigcriu (SMI[)/\ N). totaling 1.-9 .:·err· ,,?, TI1c ,.rnrk -.i7c \\as dctern1ined lo bc approxir..iatel 3:- . ,: .::.: .?... hr ,ugh .1 --tr.1tifid sampling technique. n,c
3.Ila,· s of the h tJ--, • '!, d.""""d11c1ed u-;ing regression statistics.The sruj: s findii.--:;, indLatej a, =-niticant i1npact of digital banking tee·.w.ulog on b tl1 ihe o erational efficiency and .financial performance o: 5' IEs in Ogur: "'u,.te The c ,-.,'-' .·. sion dra",11 is that the adoption of
..:imt5.l ._ankin.! '=1..:u .:..::::- inancial nanagernent practices and provides
ill!::..'.l.n:!. thereb impro,ing profitability and corr1pet:U\ .'1.:- Tl: c; ...3) recorr.unends that S-\-fE operators invest in robust dr=·t.1 rian u11 - atfonns and technologies to optimize their fir.i..anc·al \ _ l ao::: coliaborate with banks and financial instiicrns - a .:'""), cwt ,.::nized digital banking 5olutions and financing opnons.
K"""ords: Digital Banking. Dighal Banking Technology, Operational Efficienc). Financial Performance, Small and Medium Scale EnterprLe_
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