Agency banking and women employment in Auchi metropolis: evidence from POS operators

Abstract

Purpose: This study examines the effect of agency banking, with particular emphasis on Point of Sale (POS) operations, on women’s employment generation in Auchi Metropolis, Nigeria. It aims to assess the relationship between POS businesses and women’s employment. However, study reexamined the relationship because it was discovered that the nature and existence of this possible relationship were inconsistent.

Methodology: The study adopts a quantitative research approach, using primary data collected from a sample of 109 female POS operators in Auchi Metropolis. Data was analyzed using descriptive statistical techniques to evaluate employment outcomes for POS activities.

Results and conclusion: The findings reveal that POS operations serve as a significant source of employment and income for women in Auchi Metropolis. Despite challenges such as security risks, network failures, and limited access to finance, agency banking has enhanced women’s economic participation and contributed to financial inclusion. The study concludes that POS businesses play a critical role in promoting women’s employment and livelihoods.

Implication of findings: The study implies that policymakers, financial institutions, and regulators should implement targeted interventions—such as improved security measures, reliable network infrastructure, and accessible credit facilities—to strengthen and expand women’s participation in POS operations, thereby fostering inclusive employment and sustainable economic development.