Fraud In Three Ethiopian Bands Follow On Technology Driven Banking Services An Exploratory Study On E-banking Fraud Management Strategies Managers Perspective From The Selected Commercial Banks In Ethiopia

The major purpose of the research is to examine the impact of the recent liberal orientedrneconomic reforms that were adopted by the incumbent prime minister and his predecessor on thernfinancial sector in Ethiopia. Methodologically, this study used mixed approaches of research tornachieve its objective. It used various proxy variables such as profit, market concentration, savingrnmobilization, credit to commercial sector and intermediation margin to measure the performancernof banks. Premium density and volume is used to measure the reaction of insurance companies tornstudy their reaction. The study found that financial liberalization has a positive but insignificantrnimpact on the growth of financial institutions in Ethiopia. All the proxy variables used tornmeasure the performance of banks and insurance companies in particular and financial sector inrngeneral show an increment in the post liberalization era. However, this change is not significantrnagainst expectation and pre reform period results.

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