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Empirical assessment of the effects of cashless policy on financial inclusion in the Nigerian emerging economy

The present study examined the effects of cashless policy on financial inclusion in the Nigerian emerging economy. The necessary data were collected from the Central Bank of Nigeria Economic Reports as well as Statistical Bulletin and the ordinary least squares method was applied to analyze the data. | Empirical assessment of the effects of cashless policy on financial inclusion in the Nigerian emerging economy Accounting 5 2019 61 68 Contents lists available at GrowingScience Accounting homepage www.GrowingScience.com ac ac.html Empirical assessment of the effects of cashless policy on financial inclusion in the Nigerian emerging economy Sunday Oseiweh Ogbeidea aElizade University Ilara-Mokin Ondo State Nigeria CHRONICLE ABSTRACT Article history The present study examined the effects of cashless policy on financial inclusion in the Nigerian Received March 3 2018 emerging economy. The necessary data were collected from the Central Bank of Nigeria Received in revised format June Economic Reports as well as Statistical Bulletin and the ordinary least squares method was 11 2018 applied to analyze the data. The findings reveal that the cashless policy maintained a non- Accepted July 20 2018 Available online significant relationship with financial inclusion both in urban and rural areas of Nigeria. The July 20 2018 findings show that the cashless policy had a significant effect on increasing customers deposits Keywords in commercial banks of Nigeria. Volume of Automated Teller Machine ATMVL maintains Automated Teller Machines a positive and significant effect on financial inclusion indicators in urban center compared with Point of sale the rural areas. Volume of Point of Sales POSVL shows more significant and positive Web based technique influence on financial inclusion in urban area than the rural area. However Web Based Financial inclusion Technique WBTVL reveals a non-significant effect on financial inclusion both in urban and Cashless policy rural centers. The study therefore recommends that more branches of commercial banks and ATM centers outlets should be opened in rural urban centers with efficient network systems and security in order to enhance banking penetration and by extension effectiveness of the financial inclusion and poverty reductions. 2019 by the