A Research Paper on ' The Impact of E-Banking on commercial Banking Operations; A Study on United Bank for Africa (UBA), Cameroon. (original) (raw)
Related papers
2020
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.
The Impact of Electronic Banking on the Profitability of Banks: A Case Study of Banks in Ghana
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.
Effect of Electronic Banking on the Profitability of Deposit Money Banks in Nigeria
Journal of Advances in Education and Philosophy
The study examined the effect of electronic banking on the profitability of deposit money Banks in Nigeria. Banking industry is confronted by a new innovation imposed by technology transformation that has changed the way banks conduct their activities from traditional means to electronic means. Furthermore, this study investigates how the electronic banking channels through internet, mobile, POS and ATM have impacted on deposit money banks profitability. It is against this background that the study examined the effect of electronic banking on the profitability of deposit money Banks in Nigeria. The methodology of the study was quantitative in nature. Using time series data of 2006 -2015, the study employed regression technique in the analysis of sourced data. Data were collected from secondary sources through annual reports of deposit money Banks in Nigeria. Electronic banking was measured using the total values of internet banking, mobile banking, POS and ATM while Profitability was measured using profit margin of deposit money banks in Nigeria. Profitability was regressed on internet banking, mobile banking, POS and ATM using ordinary least square regression technique. The study revealed that positive relationship exists between mobile banking and Profitability, and between ATM and Profitability. In addition, there is also a statistically significant relationship between POS and Profitability while there is no significant relationship between internet banking and Profitability. As such, E-banking has a positive effect on Profitability of deposit money banks in Nigeria. It is therefore, recommended that banks must offer numerous services through internet banking and effective transaction through the POS Terminals.
The Impact of Electronic Commerce on Profitability of Banking Sector
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 , 2016
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.
Impact of E-Banking on Business Results of Banks: An Empirical Study
Review of Professional Management- A Journal of New Delhi Institute of Management, 2008
The Tremendous advances in technology have brought in a paradigm shift in banking sector. All players in this sector are gearing up their Supply Chain Management processes for better customer acquisition and retention. E-banking has revolutionized the banking industry world wide and has turned out to be the nucleus issue of various studies all over the world. Technology is enabling banks to provide the convenience of "anytime anywhere " banking to increasingly demanding customers. Banks are now reengineering the way in which their services can be distributed to their customers by bringing inflexibility in their "Distribution Channels ". Technology such as internet banking & mobile banking are taking banks to the homes and offices with 24 hrs day accessibility. Due to this, the financial Supply Chain is undergoing a fundamental strategic change. This paper presents detailed analysis of Public and Private sector Banks offering products and services through E-Banking in Dehradun region. This study highlights the differences between bank results of banks with E-banking and without E-banking facility in respect of deposits, customer base and customer satisfaction.
IAEME PUBLICATION, 2020
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.
E-BANKING SERVICES AND PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA
Global Research Journal of Economic and Social Development, 2021
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.
The role of e-banking on operational efficiency of banks in Nigeria
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.
Electronic Banking and Profitability of Deposit Money Banks in Nigeria
IJMRAP, 2021
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.