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A Study on Corporate Governance Compliance and Financial Fraud Risk in Digital Lending Platforms: A Case of Branch International in Nasarawa State

  • Project Research
  • 1-5 Chapters
  • Abstract : Available
  • Table of Content: Available
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  • NGN 5000

Background of the Study

Digital lending platforms have revolutionized financial access in Nigeria, offering quick and convenient loans to underserved populations. However, the rapid growth of this sector has been accompanied by concerns about financial fraud risks, often linked to weak governance compliance (Umar & Adeolu, 2024). Effective corporate governance is essential in mitigating these risks, ensuring accountability, and fostering consumer trust.

Branch International, a leading digital lending platform in Nasarawa State, serves as a case study to examine the relationship between governance compliance and fraud risk. As digital lending becomes more prevalent, understanding the governance mechanisms that safeguard financial integrity is crucial for the sector’s sustainability (Oladipo et al., 2025).

Statement of the Problem

The digital lending sector in Nigeria faces increasing incidents of financial fraud, undermining trust and operational efficiency. Weak corporate governance practices, such as inadequate risk management and poor regulatory compliance, contribute to this problem (Eze & Akintola, 2023). Branch International, despite its leadership in digital lending, is not immune to these challenges.

While existing studies focus on fraud detection technologies, limited research explores the role of governance compliance in reducing fraud risk. This study investigates how governance practices impact financial fraud risk in Branch International, providing insights for enhancing compliance frameworks.

Objectives of the Study

  1. To evaluate the impact of corporate governance compliance on financial fraud risk in Branch International.

  2. To identify key governance practices that mitigate fraud risk in digital lending platforms.

  3. To propose strategies for strengthening governance compliance to reduce financial fraud.

Research Questions

  1. How does corporate governance compliance impact financial fraud risk in Branch International?

  2. What governance practices mitigate fraud risk in digital lending platforms?

  3. What strategies can strengthen governance compliance to reduce financial fraud?

Research Hypotheses

  1. Corporate governance compliance does not significantly impact financial fraud risk in Branch International.

  2. Governance practices do not significantly mitigate fraud risk in digital lending platforms.

  3. Strategies to strengthen governance compliance do not significantly reduce financial fraud.

Scope and Limitations of the Study

This study focuses on Branch International’s operations in Nasarawa State, examining governance compliance and fraud risk from 2020 to 2025. Limitations include restricted access to fraud data and the study’s focus on a single platform, which may not fully capture sector-wide trends.

Definitions of Terms

  • Corporate Governance Compliance: Adherence to policies and regulations that promote transparency and accountability in corporate operations.

  • Financial Fraud Risk: The potential for financial losses resulting from fraudulent activities.

  • Digital Lending Platforms: Online platforms that provide loans without the need for traditional financial intermediaries.





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