This section contains free ebooks and guides on banks and banking, some of the resources in this section can be viewed online and some of them can be downloaded. Abstract electronic banking e banking has brought about a revolution in the functioning of banks as it offers major opportunities to banks and their customers. As the banking industry is becoming global in nature, face a competitive environment, forcing banks to balance the goals of outreach and. The study assessed the impact of electronic banking on the profitability of a bank in ghana. Digital or electronic banking ebanking is believed to be providing an efficient and more reliable platform for banks and their customers to transact business with ease. Impact of ebanking on traditional banking services shilpan vyas school of computer science and information technology, singhania university, pacheri bari, jhunjhunu 333515 rajasthan, india. The impact of electronic banking on financial inclusion in. Research has shown that the adoption of ebanking was a business strategy taken by banks in response to customer needs and changing market trends in the banking industry. For those searching for banking and finance project topics and materials pdf, msword in nigeria, kenya and ghana. People are using the digital platforms to purchase goods and services and transact businesses. This has made the transition to electronic banking a necessity for banks in order to be. Either traditional brick and mortar banks combine traditional and.
Electronic check conversion converts a paper check into an electronic payment in a store or when a company gets your check in the mail. A purposive nonprobability sampling technique was utilized in a 150 samplesize selection from e banking customers of trust bank ghana limited, ecobank ghana limited and barclays bank ghana limited 50 from each bank. Nigeria adopted electronic banking system in the early 2000s. Ebanking services features, challenges and benefits 51 2. Virtual banking includes all non traditional and electronic means of banking such as atm, phone banking, internet banking ib, credit cards and debit cards etc. In the case of ghana, electronic banking is gradually becoming acceptable to all. Adoption of electronic banking in ghana banking system a case study of. Electronic banking, or ebanking, is the term that describes all transactions that take place among companies, organizations, and individuals and their banking institutions. Electronic banking and profitability of commercial banks. During the introduction of electronic banking system, the use of raw cash was said to have bred corruption through the cash and carry syndrome usually linked with the swift movement of ghanamust go bags by some politicians. The evolution of digital banking in ghana business day ghana. Herein, we investigate into the impact of electronic banking e banking service delivery on customer satisfaction in ghana. Agboyi research paper postgraduate business economics banking, stock exchanges, insurance, accounting publish your bachelors or masters thesis, dissertation, term paper or essay.
E banking definition of e banking electronic banking, also known as electronic funds transfer eft, is simply the use of electronic means to transfer funds directly from one account to another, rather than by cheque or cash. Development of ebanking channels and market share in. Determinants of mobile banking adoption in the ghanaian. Abstract electronic banking ebanking has brought about a revolution in the functioning of banks as it offers major opportunities to banks and their customers. Electronic banking and the common banking products. The bank means zenith bank ghana limited service means the zenith bank ghana internet banking, telephone banking, secure message facility, online bill payments and other ebanking services access code, passcode, user name and password means the enabling code with which you access the system and which is known to you only. In the light of this, the research seeks to examine the impact of electronic banking on. This study examines the impact of electronic banking products on customer satisfaction of commercial bank customers in addis ababa and trivandrum cities. The evolution of digital banking in ghana businessghana. The effect of electronic banking on profitability of banks will also be assessed. The purpose of this study is to gain an insight or a deep understanding into electronic banking. Ebanking in ghana prospects and challenges graphic online. Electronic banking services are offered in two main ways 3. How the bank finds itself before a new fact imposed by technology revolution that has changed their work mechanisms from traditional means to electronic means.
Prospects and challenges of electronic banking in ghana ijamee. Impact and challenges of information communication. According to ahamad kaleem 2008 bankers in pakistan perceive electronic banking as a tool for minimizing inconvenience, reducing transaction costs and saving time. Pdf improving electronic banking in ghana using ussd. This study examines the relationship between the quality of service and customer satisfaction in the e banking era. Download fulltext pdf improving electronic banking in g hana using ussd article pdf available in international journal of computer applications 18017. Similarly, they believe that electronic banking increases the chances of. Pdf abstract the introductions of electronic banking products and services. Objective of the study the main objective of the study is to examine the determinants of mobile banking adoption as a communication. Appraisal of the economic implication of electronic. The definition of electronic banking varies among researchers, because electronic banking refers to several types of services through which bank customers can request information and carry out most retail banking services via computer, television or mobile phone daniel, 1999. Import letters of credit lc import bills for collection. Customers can download their history of different accounts and do a whatif. Electronic banking has blurred the boundaries between different financial institutions, enabled new financial products and services, and made existing financial services available in different packages.
Get free research paper on the role of electronic banking e banking in the development of financial institutions in nigeria. A sample of 398 respondents was selected, out of the total number of 66,895 customer population. Also known as internet banking, electronic banking or e banking is the direct offer of banking and allied financial services to consumers without a facetoface. Electronic banking and the challenges of the ghanaian. Have your paycheck deposited directly into your bank or. The concept of financial inclusion has continued to gain global acceptance since it was identified as one of the key drivers of inclusive economic growth and development. Adoption of electronic banking in ghana ban king system a case study of guaranty trust bank ghana limited dr. Download fulltext pdf improving electronic banking in ghana using ussd article pdf available in international journal of computer applications 18017.
Effect of employee benefits on organizational performance. The bank, which provides services in the areas of retail banking, excel banking, remittances, ebanking, international banking, trade finance, and treasury services is well positioned to work with you regarding your financial and investment needs. It is our pleasure to inform you that all recent and current banking and finance project topics and materials for both undergraduate and post graduate finaal year students has been compiled here for your download. A purposive nonprobability sampling technique was utilized in a 150 samplesize selection from ebanking customers of trust bank ghana limited, ecobank ghana limited and barclays bank ghana limited 50 from each bank. The term transactional e banking is also used to distinguish the use of banking services from the mere provision of information 2. When you give your check to a cashier in a store, the check is run through an electronic system that captures your banking information and the amount of the check. We used linear regression to assess the impact of innovative channels, including internet banking, automatic teller machines atms, mobile. Pwc 2016 ghana banking survey 4 t he level of awareness and trust so far exhibited by participants in the mobile money industry especially those in the informal sector who account for the larger proportion of the unbanked ghanaian population gives hope that. Financial inclusion is one of the objectives of the central bank of nigerias cashless policy introduced in nigeria in the year 2011. The importance, how to, effect causes relationship, comparison, history, role, solutions are discussed.
Electronic banking is an important tool for all banks to survive in the competitive nigerian banking industry. Impact of ebanking on the profitability of banks in ghana. Free banks and banking books download ebooks online. First conceptualized in the mid1970s, some banks offered customers electronic banking in. This study therefore seeks to examine the adoption of ebanking in the ghanaian banking industry with guaranty trust bank ghana limited gtbank as the case study to identify the benefits, challenges and critical success factors for the adoption of ebanking in the ghanaian banking industry. This is approved for students in accountancy business computer science economics engineering arts. Herein, we investigate into the impact of electronic banking ebanking service delivery on customer satisfaction in ghana. Electronic banking, more commonly known as ebanking, is the newest delivery channel for banking services. The theory of reasoned action, tr a which was developed to better understand. Influence of electronic banking services on customer. There are different types of electronic banking used in nigeria banks. Customer satisfaction e banking, service quality and. Worklife balance and its effect on employee productivity. The definition of electronic banking used in this study is.
The aim of the paper was to determine the adoption, challenges and some critical successes of electronic banking in the ghana. Electronic banking agreement zenith bank ghana ltd. Gcb is africas most welcoming bank, offering accessible financial support wherever its needed through helpful service and expert solutions, to encourage business and enrich peoples lives. A special feature of virtual banking is the physical absence of the person seeking banking services at the premises and out of premises even abroad. The study focuses on customer awareness of electronic banking products of gcb, the benefits derived by customers using electronic banking products of gcb and the challenges faced by customers using the electronic products of gcb ltd tamale main branch. Abstract internet banking is changing the banking industry, having the. Adoption of electronic banking in ghana banking system by. The impact of electronic banking on customer service. Ebanking conceptual framework remote banking, considered representative for the new economy, consists of electronic transactions between customers and their bank.
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