{"id":"https://openalex.org/W4406325013","doi":"https://doi.org/10.1371/journal.pone.0317226","title":"Cost efficiency of commercial banks in Ethiopia: Does financial technology matter?","display_name":"Cost efficiency of commercial banks in Ethiopia: Does financial technology matter?","publication_year":2025,"publication_date":"2025-01-13","ids":{"openalex":"https://openalex.org/W4406325013","doi":"https://doi.org/10.1371/journal.pone.0317226","pmid":"https://pubmed.ncbi.nlm.nih.gov/39804834","pmcid":"https://www.ncbi.nlm.nih.gov/pmc/articles/11729950"},"language":"en","primary_location":{"id":"doi:10.1371/journal.pone.0317226","doi":"https://doi.org/10.1371/journal.pone.0317226","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0317226","pdf_url":null,"source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj","pubmed"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://doi.org/10.1371/journal.pone.0317226","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5064701526","display_name":"Tarekegn Tariku Ebissa","orcid":"https://orcid.org/0000-0002-0470-6268","observed_orcids":["https://orcid.org/0000-0002-0470-6268"]},"institutions":[{"id":"https://openalex.org/I301615471","display_name":"Wollega University","ror":"https://ror.org/00316zc91","country_code":"ET","type":"education","lineage":["https://openalex.org/I301615471"]}],"countries":["ET"],"is_corresponding":true,"raw_author_name":"Tarekegn Tariku Ebissa","raw_affiliation_strings":["Department of Accounting and Finance, Wallaga University, Nekemte, Ethiopia"],"raw_orcid":"https://orcid.org/0000-0002-0470-6268","affiliations":[{"raw_affiliation_string":"Department of Accounting and Finance, Wallaga University, Nekemte, Ethiopia","institution_ids":["https://openalex.org/I301615471"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5072465114","display_name":"Deresse Mersha Lakew","orcid":"https://orcid.org/0000-0002-4781-3303","observed_orcids":["https://orcid.org/0000-0002-4781-3303"]},"institutions":[{"id":"https://openalex.org/I4210088351","display_name":"Ethiopian Civil Service University","ror":"https://ror.org/00409ce90","country_code":"ET","type":"education","lineage":["https://openalex.org/I4210088351"]}],"countries":["ET"],"is_corresponding":false,"raw_author_name":"Deresse Mersha Lakew","raw_affiliation_strings":["Department of Public Financial Management and Accounting, Ethiopian Civil Service University, Addis Ababa, Ethiopia"],"raw_orcid":"https://orcid.org/0000-0002-4781-3303","affiliations":[{"raw_affiliation_string":"Department of Public Financial Management and Accounting, Ethiopian Civil Service University, Addis Ababa, Ethiopia","institution_ids":["https://openalex.org/I4210088351"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5064701526"],"corresponding_institution_ids":["https://openalex.org/I301615471"],"apc_list":{"value":2382,"currency":"USD","value_usd":2382},"apc_paid":{"value":2382,"currency":"USD","value_usd":2382},"fwci":8.4077,"has_fulltext":true,"cited_by_count":9,"citation_normalized_percentile":{"value":0.97657716,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":99},"biblio":{"volume":"20","issue":"1","first_page":"e0317226","last_page":"e0317226"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.29100000858306885,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.29100000858306885,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.2272000014781952,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10357","display_name":"Efficiency Analysis Using DEA","score":0.19089999794960022,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/cost-efficiency","display_name":"cost efficiency","score":0.8009999990463257},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.9959999918937683},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9950000047683716},{"id":"https://openalex.org/keywords/financial-innovation","display_name":"financial innovation","score":0.5680000185966492},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.6840000152587891},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.9580000042915344},{"id":"https://openalex.org/keywords/bank-size","display_name":"bank size","score":0.8550000190734863},{"id":"https://openalex.org/keywords/interest-rate-spreads","display_name":"interest rate spreads","score":0.9399999976158142},{"id":"https://openalex.org/keywords/quality-of-management","display_name":"management quality","score":0.7820000052452087},{"id":"https://openalex.org/keywords/bank-ownership","display_name":"bank ownership","score":0.8029999732971191},{"id":"https://openalex.org/keywords/capitalization","display_name":"capitalization","score":0.7910000085830688},{"id":"https://openalex.org/keywords/exchange-rates","display_name":"exchange rates","score":0.8679999709129333},{"id":"https://openalex.org/keywords/ethiopian-banking-sector","display_name":"Ethiopian banking sector","score":0.8040000200271606}],"concepts":[{"id":"https://openalex.org/C11644782","wikidata":"https://www.wikidata.org/wiki/Q15401790","display_name":"Cost efficiency","level":2,"score":0.7307438254356384},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6038736701011658},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5160236358642578},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.4753310978412628},{"id":"https://openalex.org/C2779341709","wikidata":"https://www.wikidata.org/wiki/Q7617818","display_name":"Stochastic frontier analysis","level":3,"score":0.47393089532852173},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4653981626033783},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.394369512796402},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2529959976673126},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.0},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C2778348673","wikidata":"https://www.wikidata.org/wiki/Q739302","display_name":"Production (economics)","level":2,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0}],"mesh":[{"descriptor_ui":"D003362","descriptor_name":"Cost-Benefit Analysis","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D005002","descriptor_name":"Ethiopia","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D005376","descriptor_name":"Financial Management","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":true},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false}],"locations_count":5,"locations":[{"id":"doi:10.1371/journal.pone.0317226","doi":"https://doi.org/10.1371/journal.pone.0317226","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0317226","pdf_url":null,"source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},{"id":"pmh:oai:pubmedcentral.nih.gov:11729950","doi":null,"is_oa":true,"landing_page_url":"https://www.ncbi.nlm.nih.gov/pmc/articles/11729950","pdf_url":"https://pmc.ncbi.nlm.nih.gov/articles/PMC11729950/pdf/pone.0317226.pdf","source":{"id":"https://openalex.org/S2764455111","display_name":"PubMed Central","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLoS One","raw_type":"Text"},{"id":"pmid:39804834","doi":null,"is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/39804834","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PloS one","raw_type":"Journal Article"},{"id":"pmh:oai:RePEc:plo:pone00:0317226","doi":null,"is_oa":false,"landing_page_url":"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0317226","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:6502eb35afe0495cab99b366c8a8cab3","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/6502eb35afe0495cab99b366c8a8cab3","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"PLoS ONE, Vol 20, Iss 1, p e0317226 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1371/journal.pone.0317226","doi":"https://doi.org/10.1371/journal.pone.0317226","is_oa":true,"landing_page_url":"https://doi.org/10.1371/journal.pone.0317226","pdf_url":null,"source":{"id":"https://openalex.org/S202381698","display_name":"PLoS ONE","issn_l":"1932-6203","issn":["1932-6203"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","doaj","dongbi-c","doyens","erih-plus","jufo-1","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315706","host_organization_name":"Public Library of Science","host_organization_lineage":["https://openalex.org/P4310315706"],"host_organization_lineage_names":["Public Library of Science"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PLOS ONE","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.8970999717712402,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4406325013.pdf","grobid_xml":"https://content.openalex.org/works/W4406325013.grobid-xml"},"referenced_works_count":57,"referenced_works":["https://openalex.org/W1474776414","https://openalex.org/W1487531252","https://openalex.org/W1512460560","https://openalex.org/W1523688067","https://openalex.org/W1538687891","https://openalex.org/W1932504107","https://openalex.org/W1977845602","https://openalex.org/W1985705086","https://openalex.org/W1989576882","https://openalex.org/W1989859547","https://openalex.org/W1990917982","https://openalex.org/W1994362804","https://openalex.org/W1998380928","https://openalex.org/W2027729913","https://openalex.org/W2060577603","https://openalex.org/W2086832406","https://openalex.org/W2092724543","https://openalex.org/W2108347571","https://openalex.org/W2150059822","https://openalex.org/W2168159500","https://openalex.org/W2185270665","https://openalex.org/W2295265735","https://openalex.org/W2467024691","https://openalex.org/W2523206741","https://openalex.org/W2550494551","https://openalex.org/W2755378552","https://openalex.org/W2765247697","https://openalex.org/W2794685578","https://openalex.org/W2800169239","https://openalex.org/W2896956636","https://openalex.org/W2954352860","https://openalex.org/W2992335054","https://openalex.org/W3023135469","https://openalex.org/W3092577442","https://openalex.org/W3122758318","https://openalex.org/W3123572844","https://openalex.org/W3124711604","https://openalex.org/W3125157368","https://openalex.org/W3128943419","https://openalex.org/W3137223397","https://openalex.org/W3167974848","https://openalex.org/W3173944565","https://openalex.org/W3187241697","https://openalex.org/W3190452137","https://openalex.org/W3200806794","https://openalex.org/W4206965790","https://openalex.org/W4246812389","https://openalex.org/W4253232961","https://openalex.org/W4280617138","https://openalex.org/W4283809233","https://openalex.org/W4289594497","https://openalex.org/W4308737338","https://openalex.org/W4377090821","https://openalex.org/W4391482675","https://openalex.org/W4393946819","https://openalex.org/W4401143399","https://openalex.org/W4403197061"],"related_works":["https://openalex.org/W7104583863","https://openalex.org/W6907264341","https://openalex.org/W4400767072","https://openalex.org/W7217575012","https://openalex.org/W7139990505","https://openalex.org/W2918748373","https://openalex.org/W2741512421","https://openalex.org/W3212567293","https://openalex.org/W3083154957","https://openalex.org/W4392917872"],"abstract_inverted_index":{"This":[0],"study":[1,118],"aims":[2],"to":[3,76,181,196,201,213,218,229],"assess":[4],"the":[5,11,25,79,109,121,132,150,168,178,207],"effects":[6,80],"of":[7,14,29,44,81,112,123,135,153,171],"financial":[8,77,102,128,162,198,203],"technology":[9,103],"on":[10,72],"cost":[12,42,65,99,110,133,151,169,188,209],"efficiency":[13,43,70,111,134,152,170],"commercial":[15,31,57,113,136,154,190],"banks":[16,32,45,58,114,155,172,191],"in":[17,60,64,108,115,156,164,192],"Ethiopia.":[18,116,157],"Secondary":[19],"panel":[20],"data":[21],"were":[22],"collected":[23],"from":[24],"audited":[26],"annual":[27],"reports":[28],"seventeen":[30],"for":[33,98],"twelve":[34],"fiscal":[35],"years":[36],"between":[37,127],"2011":[38],"and":[39,93,131,146,177,205,220,223,225,232],"2022.":[40],"The":[41,53,117],"was":[46],"investigated":[47],"via":[48,141],"a":[49,105,124,159],"stochastic":[50],"frontier":[51],"approach.":[52],"findings":[54],"indicate":[55],"that":[56],"operating":[59,215],"Ethiopia":[61,193],"are":[62,96,194],"efficient":[63],"management,":[66],"with":[67],"an":[68],"83%":[69],"rate":[71],"average.":[73],"In":[74],"addition":[75],"technology,":[78],"bank":[82,94],"size,":[83],"interest":[84,226],"spread":[85],"rate,":[86,91],"management":[87,210],"quality,":[88],"foreign":[89],"exchange":[90],"capitalization":[92],"ownership":[95],"significant":[97],"efficiency.":[100],"Notably,":[101],"plays":[104],"remarkable":[106],"role":[107],"results":[119],"show":[120],"presence":[122],"positive":[125],"association":[126],"innovation":[129,163,199],"platforms":[130,200],"banks.":[137],"Banking":[138],"services":[139,204],"delivered":[140],"card":[142],"banking,":[143,145],"mobile":[144],"internet":[147],"banking":[148,165,183],"improve":[149,186],"As":[158],"strategic":[160],"resource,":[161],"operations":[166],"enhances":[167],"by":[173],"reducing":[174],"noneconomic":[175],"costs":[176,216],"time":[179],"needed":[180],"deliver":[182,202],"services.":[184],"To":[185],"their":[187],"efficiency,":[189],"encouraged":[195],"use":[197],"update":[206],"current":[208],"strategy":[211],"intended":[212],"reduce":[214],"incurred":[217],"generate":[219],"collect":[221],"loans":[222],"advances":[224],"expenses":[227],"paid":[228],"maintain":[230],"deposits":[231],"other":[233],"interest-bearing":[234],"liabilities.":[235]},"counts_by_year":[{"year":2026,"cited_by_count":7},{"year":2025,"cited_by_count":2}],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2025-01-14T00:00:00"}
