sseuВестник Самарского государственного экономического университетаVestnik of Samara State University of Economics1993-0453Самарский государственный экономический университет10.46554/1993-0453-2026-4-258-180-191sseu-482Research ArticleФИНАНСЫ, ДЕНЕЖНОЕ ОБРАЩЕНИЕ И КРЕДИТFINANCE, MONEY CIRCULATION AND CREDITТехнология блокчейн как инструмент цифрового банкинга: повышение финансовой доступности и удовлетворенности клиентов коммерческого банка в Лагосе, НигерияBlockchain for digital banking: enhancing financial inclusion and satisfaction in Lagos, NigeriaБайодеИбукун ФилипBayodeIbukun Philip

Аспирант Высшей школы экономики и менеджмента.

Екатеринбург

PhD Candidate at Graduate School of Economics and Management of the Ural Federal University named after the first President of Russia B.N. Yeltsin.

Yekaterinburg

Ibukunphilips@gmail.comУральский федеральный университет имени первого Президента России Б.Н. ЕльцинаUral Federal University named after the first President of Russia B.N. Yeltsin20262904202604180191Copyright © Байоде И.Ф., 20262026Байоде И.Ф.Bayode I.P.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://vestnik.sseu.ru/jour/article/view/482

Финансовая изоляция остается постоянной проблемой в банковском секторе Нигерии, особенно среди недостаточно обслуживаемых слоев населения. В то время как цифровая трансформация открывает новые возможности, интеграция технологии блокчейн в финансовые услуги еще не полностью изучена в качестве механизма продвижения инклюзивности и повышения удовлетворенности клиентов. В статье исследуется внедрение технологии блокчейн в коммерческом банковском секторе Нигерии с целью оценки ее роли в улучшении цифрового финансового взаимодействия и клиентского опыта. Исследование основано на распространении теории инноваций (Rogers, 2003) и модели внедрения технологий (Davis, 1989), которые объясняют динамику принятия пользователями и воспринимаемую ценность новых технологий. В исследовании используется количественный подход к опросу с использованием описательной статистики, регрессионного анализа и тестирования χ² (хи-квадрат) – критерия согласия Пирсона для интерпретации ответов клиентов. Данные были собраны у 266 клиентов коммерческих банков в Лагосе с помощью структурированных анкет. Полученные результаты показывают, что хотя внедрение технологии блокчейн сильно коррелирует с вовлеченностью в финтех, оно не оказывает существенного влияния на традиционные показатели финансовой доступности. Безопасность и децентрализация оказались наиболее ценными характеристиками, в то время как барьерами были низкая осведомленность и технологическая сложность. Автором сделан вывод о возможном потенциале технологии блокчейн для улучшения цифровых банковских услуг и углубления понимания его роли в финансовых инновациях.

Financial exclusion remains a challenge in Nigeria's banking sector, especially for marginalised groups, partly due to unclear perceptions of blockchain technology. Its role in increasing financial inclusion and consumer satisfaction is not fully examined, leaving its potential unexplored despite opportunities for digital transformation. To assess in what capacity blockchain technology can improve digital financial engagement and customer experience. The article examines its implementation in Nigeria's commercial banking industry. To understand the dynamics of user adoption and the perceived value of emerging technologies, the research is based on the diffusion of innovation theory (Rogers, 2003) and the technology acceptance model (Davis, 1989). The study uses a quantitative survey technique, interpreting client responses with regression analysis, chi-square testing, and descriptive statistics. Structured questionnaires were used to collect information from 266 Lagos-based commercial bank clients. Blockchain adoption is related to fintech growth but does not significantly affect traditional measures of financial inclusion. The key desired features are security and decentralisation, although awareness and complexity are challenges. The study shows the benefits of blockchain in Nigeria's financial sector and its potential to boost financial inclusion in Lagos.

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The authors declare that there are no conflicts of interest present.