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THE IMPACT OF E-BANKING ON BANK PERFORMANCE

This is a final year project on E-Banking and how it's going to affect the bank performance in United Arab Emirates.

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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.

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Electronic banking adoption in Ethiopia: an empirical investigation

• Original Article
• 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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Received : 29 October 2020

Accepted : 19 July 2021

Published : 09 August 2021

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

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• Infrastructure
• E-banking adoption

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