Review of: "Innovative Financial Services and Commercial Banks’ Profitability in Africa"

Résumé

This study examines an important topic for African countries: the effect of innovative financial services on commercial banks' financial performance.Adopting services, such as ATMs and mobile and online banking, is crucial for improving financial inclusion and economic growth on the continent.This article utilizes appropriate methods, including a 13-year panel analysis of audited data from the 17 oldest African commercial banks.The results suggest that these innovative services positively affect bank profitability.While providing useful information, this study could also benefit from major revisions.Expanding the sample beyond the 17 oldest banks would include more African financial institutions and provide a broader picture.Integrating primary data from bank executives and customer surveys complements the quantitative analysis.Examining the different impacts on various customer segments and financial institutions would add nuances.Analyzing the challenges and obstacles to adopting innovations across different African countries would provide an important context.A more in-depth analysis of regulations and infrastructure-influencing innovations is beneficial.Broadening the scope to other relevant innovations, such as digital finance and mobile payments, would enrich this study.Overall, this study provides a good starting point for this important issue.Additional revisions would strengthen the analysis and enhance the usefulness of the results to African policymakers and researchers. II. Specific Comments

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