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                <text>Staff  Publications</text>
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              <text>THE EFFECT OF BANK-SPECIFIC FACTORS ON BANKING SECTOR DEVELOPMENT IN&#13;
ZIMBABWE&#13;
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              <text>LASTEN MUDZINGWA&#13;
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              <text>DR KUDZANAI MATOWANYIKA</text>
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              <text>RANGARIRAI MBIZI</text>
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              <text>The study sought to ascertain the effect of bank-specific factors on banking sector development&#13;
in Zimbabwe since the introduction of the multi-currency system. This was prompted by an&#13;
inability of Zimbabwe’s banking system to efficiently and effectively execute its financial&#13;
intermediary role of supplying affordable long-term loans to productive sectors of the economy&#13;
as a catalyst for economic growth. The study made use of a post-positivist research philosophy&#13;
and utilised 218 structured questionnaires to gather quantitative data on study constructs. Data&#13;
was analysed using Partial Least Square Structural Equation Modelling (PLS-SEM) in&#13;
SmartPLS 4.0 software model and SPSS software package version 25. Study findings revealed&#13;
that liquidity, business intelligence and analytics, board structure, asset quality, digitalisation&#13;
and bank size have a statistically positive effect on banking sector development. The study,&#13;
therefore, recommends authorities to invest in digital banking, enhance cybersecurity, augment&#13;
bank liquidity, refine asset quality and boost banks’ capitalisation in order to enhance banking&#13;
sector development. </text>
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              <text>ZJBEM</text>
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              <text>2025 </text>
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      <name>Bank specific factors</name>
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      <name>Banking sector development</name>
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      <name>multi-currency system</name>
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