Banking in Africa

By Thorsten Beck, Robert J. Cull. 2013

169 citations recorded by the source corpus.

This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are shallow but stable. African banks are well capitalized and over-liquid, but lend less to the private sector than banks in non-African developing countries. African enterprises and households are less likely to use financial services than their peers in other developing countries. The paper also describes a number of financial innovations across the continent that can help overcome different barriers to financial inclusion and have helped to expand the bankable and the banked population.

Subfields: Accounting, Economics and Econometrics, Urban Studies

View Paper: https://www.semanticscholar.org/paper/c1b29575d93a936cae839fe8563ca659110d7c32

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Citations in the corpus

SME finance in Africa (2014, background): “Beck et al. (2006a), on the other hand, use firm-level survey data and find that older, larger, and”
Financial Inclusion and Innovation in Africa: An Overview (2015, unknown): “…extent on variable rather than fixed costs, which implies that even customers who undertake small and few transactions are viable or bankable 4 See Beck and Cull (2014) for a more in-depth discussion on different forms of financial innovation in Africa and their evaluation. relative to banking…”
Analysis of the determinants of financial inclusion in Central and West Africa (2016, unknown): “According to Beck and Cull (2013), many financial markets indicators have improved from 2000 to 2011.”
Banking stability determinants in Africa (2018, unknown): “Often preceded, by a wave of commodity and oil import dependence by African countries coupled with exchange rate volatility, structural and institutional failures that weaken the efficacy of banks’ risk management tactics (Beck and Cull, 2013), it can hardly be said that banking crises were widely f”
Why do people use and recommend m-wallets? (2020, unknown): “Financial institutions in these countries have been constrained by size, structure, volatility, and poor governance (Beck and Cull, 2013).”
Mobile Money and the Economy: A Review of the Evidence (2018, background): “Small size, volatility, informality and poor governance place constraints on the commercial viability of financial institutions in developing countries (Beck and Cull, 2013), see Figure 2.”