Research Article

IMPACT OF AGENT BANKING ON FINANCIAL INCLUSION IN NIGERIA

Abubakar Usman Yusuf1*, Hassan Isah Yahaya2, Hudu Gambo3
1 Department of Business Administration, Faculty of Management Sciences, ABU Zaria
2 Department of Finance, Faculty of Management Sciences, Kaduna State University (KASU)
3 Department of Business Administration and Entrepreneurship, Faculty of Management Sciences, Kaduna State University,
* Corresponding author: elsardyx@gmail.com
Published: Dec, 2025
DOI: 10.68022/kbmr.2025.lyeh4vxl
Pages: 126-138
Views: 27
Downloads: 5

Abstract

Financial inclusion is a key to the survival of any nation economy, is a process in which all individuals have easy access to formal financial products and services (World Bank 2022). Drawing from diffusion ofinnovation theory and technology acceptance model theories. The study examines the perception offinancial included persons regarding the impact of the relationship between agent banking and financial inclusion using survey research approach. Data were source from 584 financially included persons in Nigeria. The PLS-SEM analysis revealed that, agent banking significantly impact accessibility, usability, and quality of financial products and services in Nigeria. it is recommended that, the the financial included persons in Nigeria should be informed, educate about the digital financial products and services, and it economic benefit, so as to improve it usability. 

Keywords

Financial inclusion Agent banking FINTECH Nigeria

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How to Cite

Yusuf, A. U., Yahaya, H. I., & Gambo, H. (2025). IMPACT OF AGENT BANKING ON FINANCIAL INCLUSION IN NIGERIA. Kaduna Business and Management Reviews, 6(2), 126-138. https://doi.org/10.68022/kbmr.2025.lyeh4vxl

A. U. Yusuf, H. I. Yahaya, and H. Gambo, "IMPACT OF AGENT BANKING ON FINANCIAL INCLUSION IN NIGERIA," Kaduna Business and Management Reviews, vol. 6, no. 2, pp. 126-138, December 2025. doi: 10.68022/kbmr.2025.lyeh4vxl

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