OGUNGBE, Oludayo Olusola and Covenant University, Theses Masters (2024) E-BANKING AND PERFORMANCE OF SELECTED NIGERIAN BANKS. Masters thesis, Covenant University.
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Abstract
This research investigates the relationship between E-banking technologies and the financial performance of deposit money banks in Nigeria from 2000 to 2022. The study's objectives include examining the impact of technological tool applications on bank performance, exploring the causal relationships among E-banking tools and bank performance, and assessing the short-term and long-term dynamics between E-banking and bank financial outcomes. An ex post-facto research design was employed, utilizing time series data and econometric techniques analyzed with E-views software. The findings demonstrate a complex relationship between E-banking tools and bank financial performance. Automated teller machines (ATMs) had a negative short-term impact but a positive long-term effect, suggesting that strategic investments in ATM technology are crucial for sustainable growth. Interbank transfers similarly exhibited a short-term adverse impact but a positive long-term contribution to bank performance. Mobile money volume negatively influenced bank performance in the short term but showed a positive impact in the long term, underscoring the transformative potential of mobile banking services. In contrast, web-based transactions showed a positive short-term impact but a negative long-term effect, indicating the nuanced dynamics of online banking on financial outcomes. The study found no clear causal relationship between ATMs and interbank transfers with deposit money bank performance, suggesting that other factors might be more significant in shaping bank financial outcomes. However, a unidirectional causal relationship was observed from mobile money usage to deposit money bank performance, highlighting the significant role of mobile banking in influencing financial outcomes. These results align with previous research, indicating that E-banking technologies offer both challenges and benefits to bank performance. The findings contribute to the broader literature on E-banking by providing insights into the Nigerian banking context, emphasizing the importance of strategic investments in E-banking technologies, and highlighting the pivotal role of mobile banking services in driving positive financial outcomes.
| Item Type: | Thesis (Masters) |
|---|---|
| Uncontrolled Keywords: | E-banking, Bank Financial Performance, Automated Teller Machines, Interbank Transfers, Mobile Money, Web-based Transactions, Nigeria, Time Series Analysis, Econometric Techniques, Strategic Investments |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | nwokealisi |
| Date Deposited: | 20 Aug 2024 15:52 |
| Last Modified: | 20 Aug 2024 15:52 |
| URI: | http://eprints.covenantuniversity.edu.ng/id/eprint/18384 |
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