أثر خدمات الدفع الإلكتروني على الشمول المالي : دراسة على عينة من عملاء البنوك التجارية السودانية بولاية الخرطوم

الملخص EN

The study aimed to know the impact of electronic payment.

services on financial inclusion in the Sudanese commercial banks operating in Khartoum state.

the study model and its hypotheses were built based on the study literature, as well as previous studies were used to develop the study's standards, and a questionnaire was designed to collect data from a non-probability (intentional) sample.

where (372) questionnaires were distributed and (365) of them were retrieved with a response rate of (98.1 %), and to ensure the degree of reliability of the data, Cronbach's alpha test was used, and the method of path analysis and structural equation modeling was used to test hypotheses.

the statistical analysis software package (AMOSV25) was used to conduct the confirmatory factor analysis of the model, and the study reached a set of results, including : that there is a partial statistically significant effect at the significance level (a ≤0.05) for electronic payment services and financial inclusion, and the existence of a positive relationship there is no relationship between electronic payment services with a dimension (ATM service and Internet service) and financial inclusion, and there is no relationship between electronic payment services with a dimension (mobile phone service) and financial inclusion in Sudanese commercial banks operating in the state of Khartoum, based on these results, the study recommended the need to increase the awareness of bank customers of the importance of electronic payment services, which in turn enhances their performance and leads them to financial inclusion.