Skip to content

Dr Victor Atiase

Job: Senior Lecturer in Accounting and Finance

Faculty: Business and Law

School/department: Leicester Castle Business School

Address: De Montfort University, The Gateway, Leicester, LE1 9BH

T: 0116 366 4573



Personal profile

I joined the Department of Accounting and Finance in January 2020 as a Senior Lecturer in Accounting and Finance. Before this role, I held an academic role in Coventry University at the International Centre for Transformational Entrepreneurship (ICTE), Faculty of Business and Law as a Lecturer in Enterprise and Entrepreneurship teaching and supervising  both undergraduate and postgraduate students (April 2018-December, 2019). Also, between June 2017 to September,2020 I have held a Visiting Lecturer position at the University of Wolverhampton Business School, United Kingdom. However, prior to these roles in the United Kingdom, I have held several teaching positions as a lecturer in both Perez University and EP. University Colleges all in Ghana (2008 to 2015).

Before taking a full-time academic position, I spent close to a decade of my professional life in a broad spectrum of financial institutions (Commercial Banking, Rural Banking, Savings and Loans and FNGOs) specialising in credit risk management and microfinance as well as seeing to the financing, growth and training of countless SMEs.

I have an MSc in International Development from the University of Bath, a PhD from the University of Wolverhampton, United Kingdom and a Doctor of Business Administration (DBA) from the Central University of Technology, Bloemfontein, South Africa. I am also a Fellow of the Higher Education Academy, UK and a member of the British Accounting and Finance Association.

My current research interest and expertise lie in the areas of credit risk management, banking and financial performance of banks and microfinance institutions in emerging economies (Africa), and behavioural finance. I am currently a reviewer for a number of  Journals including  Cogent Management Journal and the International Journal of Entrepreneurial Behaviour and Research. I am also a reviewer for the Economic and Social Research Council (ESRC) United Kingdom.

Research group affiliations

The Finance and Banking Research Centre (FiBRe)
The Centre for Enterprise and Innovation (CEI)

Publications and outputs

Journal Publications

Kolade,Oluwaseun ; Atiase, Y. Victor ; MurithiWilliam; MwilaK. Natasha  (2021)The business models of tech hubs in Africa: implications for viability and Sustainability Technology Analysis & Strategic Management (ABS**)

Atiase V.Y. Dzansi D. Y. &  Ameh K. Johnson (2021) ‘‘ Technology absorption capacity and firm growth in Africa ’’ Int. J. Technology Transfer and Commercialisation, Vol. 18, No. 2, 2021 pp.201-229 (ABS*)

Atiase VY; Oluwaseun Kolade; Tahiru Liedong (2020). The emergence  and strategy of tech hubs in Africa: Implications for Knowledge production and value creation Technological Forecasting and Social Change Vol 161,120307 (ABS***)

Atiase VY, Dzansi DY (2020). Investigating the drivers of product innovation in emerging markets: The African perspective. Strategic Change. Vol. 29, No.1 pp..29:89–101 (ABS**)

Atiase, V.Y. and Mahmood, S. Wang, Y. (2019), ‘‘Does institutional logic matter in microfinance delivery? An empirical study of microfinance clients, International Journal of Entrepreneurial Behaviour and Research, Vol. 26 No. 2, pp. 177-202 (ABS***)

Atiase, V.Y, Wang, Y., and Mahmood, S. (2019) ‘‘FNGOs and financial inclusion: investigating the impact of microcredit on employment generationInternational Journal of Entrepreneurship and Innovation, Vol. 20 No. 2 pp.91-106 (ABS**)

Atiase V.Y., Mahmood, S., Wang, Y. and Botchie, D. (2018) ‘‘Entrepreneurship development in Africa: investigating critical resource challenges’’, Journal of Small Business, and Enterprise Development. Vol. 25, No. 4, pp.644-666 (ABS**)

Dzansi D. Y. & Atiase V.Y. (2014) ‘‘Reflecting on microfinance in poverty reduction’’ Mediterranean Journal of Social Sciences, Vol. 5 No 21. pp.345-35. 10.5901/mjss.2014.v5n21p345

 Book Chapters

1.Mordi,Jones; Oriade, Ade; Wang, Yong;  Atiase, V.Y (2020) ''Digital banking and customer satisfaction: The Nigerian Perspective'' Park Thaichon and Vanessa Rattan (Ed.)  in Transforming relationship marketing: strategies and business models in the digital age 

2. Atiase, V. and Dzansi,D.Y. (2019), "Microfinance and Necessity Entrepreneurship: The Ghanaian Experience", Dana, L. and Ratten, V. (Ed.) in Societal Entrepreneurship and Competitiveness, Emerald Publishing Limited, pp. 155-170. Emerald Publishers

Conference Presentations:

1. Atiase, V.Y., Agbanyo K. Senyo; Ameh. K Johnson; Sambian Robert ; Ganza Patronella;  Chukwunalu Ishie Zephaniah (2021), ''The value creation process and governance of the African Non-Traditional Export Sector presented at British Academcy of Management Conference 2021,  United Kingdom

2. Ameh. K Johnson, Atiase, V.Y.,  Dzansi Dennis; Agbanyo K. Senyo ; Sambian Robert ; Ganza Patronella;  Chukwunalu Ishie Zephaniah (2021), ''Financial bootstrapping and survivability in family firms: A resource-based perspective at British Academcy of Management  Conference 2021,  United Kingdom

3. Atiase VY; Oluwaseun Kolade; Tahiru Liedong Tech hubs in Africa: Implications for knowldge production and value creation, British Academy of Management Conference, Manchester 2020, United Kingdom (Virtual conference)

4. Atiase V.Y, Dzansi DY, Sarpong David (2020) ‘‘Managerial Resilience and Performance: A human Capital Approach’’ presented at the 42nd Annual Conference for the Institute of Small Business and Entrepreneurship, Newcastle

Link: Resilience_and_Performance_A_human_Capital_Approach

5. Atiase, V.Y., Mahmood, S.; Wang Y (2019) ‘‘FNGOs and Financial Services Delivery: An institutional logic perspective’’ presented at BAM Conference on 5th September 2018 at the Aston University, Birmingham, United Kingdom


6. Atiase, V.Y.; Asorwoe, E; Ablorde, Fand Kolade, S. (2019) ‘‘Tax compliance cost: the hidden effect on international trade in Africa’’ presented at the 2019 British Accounting and Finance Association (BAFA) Conference at Birmingham University between 8-10th April 2019.

7. Atiase V.Y. and DY Dzansi (2019) ‘‘The Drivers of Product Innovation in Africa’’ presented that the International Conference of Enterprise Development, at Central University of Technology, Bloemfontein, South Africa on 3rd-5th April 2019

8. Atiase, V.Y. and Lockyer, J. (2018) ''Designing a Pro-poor Credit Risk Management System for Financial Inclusion: An Empirical Analysis'' presented at the 41st Annual Conference of ISBE 2018 at Birmingham, United Kingdom.


9. Atiase, V.Y. and Botchie, D. (2018) ''Does Managerial Training have any impact on the performance of MSE Managers? Empirical evidence from Ghana at BAM Conference on 5th September 2018 at the University of West of England, Bristol, United Kingdom (received the best full paper award in the performance management track) 


10. Botchie, D. and Atiase, V.Y. (2018) ''The nexus between technology absorption and firm growth in Africa: A resource-based perspective'' presented at BAM Conference on 5th September 2018 at the University of West of England, Bristol, United Kingdom.


11. Atiase, V.Y. (2018) ''Public policy and Entrepreneurship development in Africa'' at the ICTE Annual Workshop at Ghana Technology University, Ghana, Accra on 29th June 2018.

12. Atiase V.Y. (2017) ''Investigating the impact of FNGOs on the performance of MSEs in Ghana'' Presented in a research symposium on Championing Difference: Exploring Entrepreneurship Amongst the Socially Excluded, University of Huddersfield Business School, on 7th September 2017.

 Working Papers

1. Tax Compliance cost and International Trade in Africa

2.  Managerial resilience and performance: A human capital approach

3. Credit Risk Governance and Control in Microfinance Institutions (MFIS)

4. Technological absorption and growth strategy of indigenous African firms: A resource-based perspective

5. The promise of the Islamic Microfinance Model (IMM)l for financial inclusion in Africa

6. Conceptualising Digital Ecosystems for small businesses

7. Investigating the impact of   group lending schemes on SME performance

Research interests/expertise

Financial performance of Banks and other financial intermediaries in emerging economies (Africa), Entrepreneurial Finance and  Behavioural Finance

Areas of teaching

  • Adanced Corporate Finance (undergraduate)
  • Behavioural Finance (postgraduate)
  • Quantittative Techniques  (undergraduate)
  • Financial Decision Making (undergraduate)
  • Research Methods (postgraduate)


2016- 2018: Doctor of Philosophy, University of Wolverhampton Business School, University of Wolverhampton, United Kingdom. (Specialism: Entrepreneurial Finance).

2013- 2016: Doctor of Business Administration (DBA), Central University of Technology, Bloemfontein, Free State, South Africa (Specialism: Microfinance Credit Risk Management).

2017-2018: Postgraduate Certificate in Education and Professional Practice (PGCE), Institute of Education, University of Wolverhampton, United Kingdom

2007- 2008: Master of Science in International Development, University of Bath, United Kingdom (Specialism: International Development and Microfinance).

2001- 2006: Bachelor of Science in Administration (First Class Honours), University of
Ghana Business School, Legon, Ghana.

Courses taught

    • Adanced Corporate Finance (undergraduate)
    • Behavioural Finance (postgraduate)
    • Quantittative Techniques  (undergraduate)
    • Financial Decision Making (undergraduate)
    • Research Methods (postgraduate)

Honours and awards

1.British Academy of Management Best paper Award, 2018

2.Central University of Technology ,South Africa, Postdoctoral Research Grant worth R100,500 for 3 years 

Membership of external committees

1. Member, Institute for small business and entrepreneurship (ISBE), United Kingdom

2.Member, British Academy of Management (BAM),United Kingdom

3.Member, British Accounting and Finance Association (BAFA), United Kingdom

Professional licences and certificates

Fellow, Higher Education Academy, United Kingdom (FHEA)

Certified Management and Business Eduactor (CMBE)

Current research students

PhD Students

1. Senyo  Kwasi Agbanyo (First Supervisor)

Project title: The impact of business education on business performance:Evidence from Ghana, De Montfort University, United Kingdom (2020-2023)

2. Robert Sambian (First Supervisor)

Project title: The impact of cost of capital on the sustainability of Microfinance Institutions in Ghana, De Montfort University, United Kingdom (2020-2023)

3. Zephaniah Chukwunalu Ishie (First Supervisor)

Project title: A critical evaluation of the impact and financing  strategies of Microfinance Intitutions (MFIs): An Empirical Study of Microfinance Banks in Nigeria, De Montfort University, United Kingdom

4. MD  Shariful Islam Soykat (First Supervisor)

Project title: Investigating the impact of  Microfinance Institutions (MFIs) on economic development: An empirical evidence  from Bangladesh, De Montfort University, United Kingdom

5. Patronella Ganza (First Supervisor)

Project title:  Healthcare Financing, Strategy and Delivery of Health insurance programmes in developing countries: An Empirical evidence from Zimbabwe

6.Mrs. Oyerinmade Roseline Oladejo (Second Supervisor)

Project title: Crowdfunding and Microfinance: The Challenges and Prospects for Financial Inclusion of MSMEs in Nigeria

 Master's Dissertation Completions

1. ChanidaSayamit: Investigating the barriers to the adoption of contactless Mobile Payment (CMP) platforms: A case study of Thailand (completed 2020)

2. Teepakornsukasem Gungamon: Transfer pricing regulation in Thailand: The role of the Asean Economic Community (AEC) (completed 2020)

3. VongasvathepchaiJinnipak: The barriers to cashless System in Thailand during the Fintech era among 200 young people ages between 18-30 (completed 2020)

4. Ketchart   Kullanit: The role of Financial Technology in Commercial Banking Operations: A case study of Thailand (completed 2020)

5.Charles Dunn:The Impact of Bank Closures on Communities in the UK – Empirical Evidence from Essex, United Kingdom (completed 2020)

6. Saiwen Guo:The Use of E-payment Systems and Mobile Applications in China (completed 2021)

ORCID number