electronic banking thesis

Electronic banking adoption in Ethiopia: an empirical investigation

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Published: 09 August 2021
Volume 1 , article number 112 , ( 2021 )

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Pankaj Tiwari ORCID: orcid.org/0000-0003-2401-184X 1

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The bank has always been a very intense business, especially in the last few decades when information technology had a strong influence on the banking sector. This research followed almost the same pattern, particularly by examining the factors influencing information technology adoption. However, little work has been done to identify these factors in electronic banking services in developing African Countries. The purpose of this research was to analyze the variables that influence adoption in Commercial Bank of Ethiopia. The researcher has used factors perceived ease of use, infrastructure, security, trust, and e-banking adoption. The data were collected from 179 respondents of CBE. This study uses the structural equation model based on least partial square analysis. The results show that customer trust mediates between the perceived ease of use, infrastructure, security, and e-banking adoption. The practical result of this research is the provision of information and knowledge to the Ethiopian Commercial Bank, which is the financial backbone of this country. Further, combining Trust in technology will improve confidence in Ethiopian banking sector. Hence, the government should make more efforts to sustain and improve e-banking through technology-driven innovation in the banking sector.

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Tiwari, P. Electronic banking adoption in Ethiopia: an empirical investigation. SN Bus Econ 1 , 112 (2021). https://doi.org/10.1007/s43546-021-00114-0

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DOI : https://doi.org/10.1007/s43546-021-00114-0

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A Research Paper on ' The Impact of E-Banking on commercial Banking Operations; A Study on United Bank for Africa (UBA), Cameroon.

This study on the impact of e-banking on commercial banking operations with the Case study of UBA Bank Cameroon, sought out to examine the relationship between ebanking services and the profitability of the banking institution and to identify the difference between those who use e-banking Services and Counter Service. Using Ttest model and a simple correlation model we established that there is no relationship between e-banking services and the profitability of the banking institution whilst also establishing the fact that there is significant difference between customers who use ebanking services and customers who use the counter service. In conducting this research both primary and secondary data were used. Furthermore, quantitative and descriptive methods of analysis were adopted to examine the impact of e-banking services on the profitability of the banking institution. To add, we found out that there is no significant relationship between the electronic banking services and the level of profitability of the banking institution because savings are not much influenced by the level of e banking services available, and the amount of savings does not transform its self into interest unless a decision is taken by the bank to give out loans. Therefore, we recommended that, UBA Bank Cameroon should utilize e-banking service to its fullest advantage in order to improve her operations in terms of delivering retail banking services to her customers which will likely lead to favorable profitability situation.

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This research study seeks to measure the impact of e-banking on commercial banking operations. With our case study being UBA Bank Cameroon, we will set out to examine the relationship between e-banking services and the profitability of the banking institution and also to identify the difference between those who use E-banking Services and Counter Service. We will use the T-test model and a simple correlation model to establish a relationship between e-banking services and the profitability of the banking institution whilst also establishing the difference between customers who use e-banking services and customers who use the counter service. In conducting this research, we will use both primary and secondary data. Furthermore, quantitative and descriptive methods of analysis will be adopted to examine the impact of e-banking services on the profitability of the banking institution.

Texila International Journal , Nii Kwartei Perry-Quartey

Electronic banking basically refers to performing banking functions or transactions using a smart technologically inclined device or the internet. Information Technology has recently influenced banking operations, transactions and service delivery. It has provided a channel through which banking is done in convenience, thereby, reducing customer queues in banking halls, administrative expenses and the complexities associated with traditional banking. However, the disadvantages of electronic banking are quite significant. They include unauthorized data access, data loss and fraudulent activities. Using the internet, banks display all relevant information regarding their products on their website which is easily accessible to customers. Through modern technology, branches are networked using terrestrial or satellite links such that customers can visit any branch of their bank to transact business and transfer funds both locally and internationally. This paper discusses e-banking, various definitions, examples, advantages and limitations, electronic banking in Ghana and its impact on the profitability of banks in the Ghanaian banking industry. From the study, e-banking adoption was a business strategy the bank used in response to customer needs and the changing marketing trends in the banking industry. Obviously, tremendous benefits such as revenue generation, improved productivity, efficient service delivery and cost savings accrue from e-banking. The lack of a solid technology infrastructure was identified as a major challenge of e-banking adoption in the country.

Journal of Advances in Education and Philosophy

Hailemariam H Mamo

Assoc. Prof. Dr. Rashad Yazdanifard

ABSTRACT The intention of this paper is to gather information that shows the impact of online commerce on banking, which is affecting customer’s satisfaction, customer loyalty, and profitability. Online banking is a new technology which is making a good possibility for banks and customers in terms of cost reduction of operational banking and time saving, and other methods of increasing profitability. The statistical observation indicated that adopting customers to using of online banking is depend on completed and uncomplicated websites, availability of high quality of services, new products, high security and ease of use. So, the empirical analysis indicates that banks providing such services for increasing their profitability. KEYWORDS: Internet Banking, design new products, Service Quality, Loyal Customers, Profitability

ASA University

Benazir Rahman

The letter "E" has made a revolution all over the world at present. Banks are not exceptional. The spread and penetration of internet and electronic media has unwrapped innovative horizons and scenarios for the banking industry. The banks are at present providing their products and services through the electronic medium along with physical facilities which referred as electronic banking or e-banking. E-banking is considered to have a substantial impact on banks' performance. The aim of this paper is to examine the impact of e-banking over the profitability of commercial banks of Bangladesh. As a developing country commercial banks of Bangladesh need to be concerned about the facilities of e-banking as well as the costing in terms of users. The paper is considered as descriptive study and qualitative in nature which determines the impact of e-banking over the performance of banks focusing on the profitability. It has also discussed the effect of customers' literacy on provision of services from the banks' perspective and deliberated the basic motive of banks to adopt e-banking services. A field survey has been used to show the connection between bank profit and e-banking. The survey has been done among the randomly selected employees of commercial banks in Dhaka city. Different statistical tools like mean, standard deviation, t-test, F-test and so on have been used to justify the case. The result shows that offering e-banking services have a positive or upward impact over the profitability of banks. It has supported that the banks will earn profits by providing e-services in spite of facing high maintenance costs in the long run. For banks, the main motive to adopt e-banking is to increase their client age and to retain their customers. The profitability of banks has augmented in transitioning to e-banking medium. The more use of eproducts by the bank clients will increase transactions which ultimately help to increase the profit trend up.

Review of Professional Management- A Journal of New Delhi Institute of Management

Garima Verma

IAEME PUBLICATION

IAEME Publication

Electronic Banking has become the heart of banking sector, while banking industry is the heart of every robust economy. E-banking has revolutionized the lives of all individuals of present times and is considered to be a wave of information revolution after the agricultural and industrial revolution Internet banking, mobile banking, Automated Teller Machine, electronic funds transfer, and smart cards etc. are the services provided by banks under Electronic Banking. Through this research paper, an attempt has been made at examining the impact of electronic banking on the performance of Banks. Electronic Banking has resulted in reduction in transaction costs, increased productivity, increase in volume of deposits, increase in net operation margin and reduction of operational costs of the banks, thereby improving the efficiency in the banking operations. Through this paper, it has been found that Electronic Banking has tremendously improved the performance of banks.

Global Research Journal of Economic and Social Development

Prof. Oyedokun E M M A N U E L Godwin

The study examined the effect of E-banking on performance of deposit money banks in Nigeria, through the use of eight selected deposit money banks categorized with international authorization in Nigeria. Design/Methodology/Approach: This study adopted ex-post facto research design because data were collected from secondary sources through annual reports and statistical bulletin of Central Bank of Nigeria over the period 2011 to 2020. E-banking was measured using mobile banking, online banking, automated teller machine and point of sale, while performance of bank was measured by Return on Assets (ROA). The study applied ordinary least square (OLS) in its analysis to determine the effect of E-Banking on the performance of deposit money banks in Nigeria. The outcomes of the work showed that mobile banking (MB) and point of sales have significant effect on performance of deposit money banks in Nigeria while online banking (OB) and automated teller machine (ATM) did not have significant influence on the performance of deposit money banks in Nigeria. Findings: The study consequently infers that spending money on E-banking may not necessary improve performance of deposit money banks in Nigeria. However, judicious use and management of the banks' resources as well as increase in customer base and retention coupled with excellent service delivery will contribute meaningfully to the banks' performance. Originality/Value Added: Some of the recommendation is that management of deposit money banks should provide service excellence, improve service quality. Government at all levels should provide enabling environment and social infrastructure such as: constant power supply, quality and good telecommunication, cheap and robust internet services. The banks' managements should pursue more campaigns and orientation on their customers to create awareness for them to patronize the facilities provided by the banks especially in the rural areas. The management of the banks need to educate customers from time to time with regard to electronic banking facilities and provision of easy to use and customer interactive features in electronic banking equipment.

Prof. Edwin Agwu

With the proliferation of the internet, coupled with the growing acceptance of the digital lifestyle and the world becoming increasingly addicted to e-business, the trend of cash transactions is now giving way to electronic payment system. Considering the rapid spread in the adoption of electronic banking as a channel for performing various bank transactions among banks in Nigeria, this study investigated the roles e-banking adoption has played in the performance of organizations using a case study of commercial banks in Nigeria. Hence the objective of the study was to determine the role of e-banking on the operational efficiency of commercial banks in Nigeria. In pursuance of this objective, primary data were obtained by administering questionnaires to staff of four purposively selected banks (Ecobank, UBA, GTB and First bank). Pearson correlation was used to analyse the results obtained using the Statistical Package for Social Sciences (SPSS) and it was observed that banks’ operational efficiency in Nigeria since the adoption of electronic banking has improved compared to the era of traditional banking. This improvement was noticed in the strength of banks, revenue and capital bases, as well as in customers’ loyalty. It was concluded that the introduction of new channels into their ebanking operations drastically increased bank performances, since the more active customers are with their electronic transactions the more profitable it is for the banks.

IJMRAP Editor

The study investigated impact of electronic banking on profitability of deposit money banks in Nigeria from 2009 to 2018. Secondary data were obtained from Central Bank of Nigeria statistical bulletin. Data obtained were analysed using Ordinary Least Square estimation technique. E-view software package was used to measure relationship between electronic banking and profitability of deposit money banks in Nigeria. From the result, internet banking has an insignificantly positive impact on profitability. It was also revealed that ATM has a significantly positive impact on profitability. The study recommended that the monetary authorities and deposit money banks in Nigeria should enlighten their customers on the convenience and importance of adopting e-banking channels in completing their transactions. In addition, banks should conduct further research to find new e-banking products to attract and retain their existing customers.