digital financial services – Journal of Research Innovation and Implications in Education

Assessing The Effects of Digital Financial Services on Financial Performance of Commercial Banks in Rwanda (2019-2025)

By JRIIE | October 1, 2026

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…

Influence of Digital Financial Services on Agricultural Productivity among Smallholder Farmers in Musanze District, Rwanda

By JRIIE | September 14, 2026

Olive Mukamugisha and Thomas TarusUniversity of Kigali, RwandaEmail: amina2020mugisha@gmail.com Abstract: Digital financial services (DFS) have emerged as important tools for promoting financial inclusion and supporting agricultural activities in developing countries. This study examined the influence of digital financial services on agricultural productivity among smallholder farmers in Musanze District, Rwanda. Specifically, it assessed the influence of…