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

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 e￾banking services and the profitability of the banking institution and to identify the difference between those who use e-banking Services and Counter Service. Using T￾test 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 e￾banking 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.