Assessing The Effects of Digital Financial Services on Financial Performance of Commercial Banks in Rwanda (2019-2025)
Emmanuel Manishimwe and Thomas TarusUniversity of KigaliEmail: immanuelmanishimwe@gmail.com Abstract: This study assessed the effects of Digital Financial Services (DFS) on the financial performance of commercial banks in Rwanda.. The purpose was to examine how DFS channels; mobile banking, internet banking, and ATM/card services impact key financial performance indicators, namely Return on Assets (ROA) and Return…