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Financial Inclusion: Assessing Innovative Technology's impact on Financial Inclusion and Profitability of Financial Institutions in Cambodia


  • Seyha Khek
  • Phon Sophat

    (National Bank of Cambodia)

  • Vety Meng


This study aims to determine how Information Technology (IT) impacts financial inclusion and strengthens the profit of commercial banks and MDIs in Cambodia using two-stage value chain DEA technique. The model also provides the efficiency score and approached factors within financial inclusion and profitability mechanism. The finding suggests that financial inclusion is backed up by strong significant technology while profitability is anchored at 76.5 percent of total banks' profits. Furthermore, through the usage of IT-based transactions at 32 percent, banks and financial institution could enhance 28 percent of profit, and 78 percent of ATMs has been used to promote the access and financial usage. From these results, improving institutional IT adoption could increase financial inclusion and achieves the profit efficiency.

Suggested Citation

  • Seyha Khek & Phon Sophat & Vety Meng, 2020. "Financial Inclusion: Assessing Innovative Technology's impact on Financial Inclusion and Profitability of Financial Institutions in Cambodia," Working Papers hal-02496410, HAL.
  • Handle: RePEc:hal:wpaper:hal-02496410
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    References listed on IDEAS

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    More about this item


    Financial inclusion; Profitability; Technology; two-stage Value Chain DEA;
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