Electronic Banking and Performance of Commercial Banks in Uganda. A Case Study of Bank of Uganda (2013-2017)

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TABLE OF CONTENTS

DECLARATION

APPROVAL ii

DEDICATION iii

ACKNOWLEDGEMENT iv

TABLE OF CONTENTS v

LIST OF ABBREVIATIONS ix

LIST OF TABLES viii

ABSTRACT x

CHAPTER ONE I

INTRODUCTION 1

1.0 Background of the study 1

1.1 Statement of the problem 3

1.2 Purpose of the study 3

1.2.1 Specific Objectives of the Study 3

1.4 Research hypothesis 4

1.5 Significance of the study 4

1.6 Scope of the study 4

CHAPTER TWO 5

LITERATURE REVIEW 5

2.Olntroduction 5

2.lTheoretical review 5

2.1.1 Technology Acceptance Model 5

2.1.2 Social Construction Theory 5

2.2Conceptual framework 6

2.2.1 The Concept of Electronic Banking 7

2.2.2 Performance of Commercial Banks 7

2.3 Effects of Electronic Banking on Performance of Commercial Banks 9

2.4Determinants of Profits of Commercial Banks 10

2.4.1 Income 10

V

2.4.3 Deposits .11

2.4.4 Taxation ii

2.5Ernpirical Review 11

2.6Conclusion of Literature Review 12

CHAPTER THREE 13

RESEARCH METHODOLOGY 13

3.0 Introduction [3

3.1 Research Design 13

3.2 Population 13

3.3 Data Collection 13

3.4 Data Analysis 13

3.5 Test of Significance 14

3.6 Analytical Model 14

CHAPTER FOUR 16

DATA ANALYSIS, FINDINGS AND DISCUSSION 16

4.Olntroduction 16

4.lVariables 16

4.1.1 Dependent Variable 16

4.2 Regression analysis 18

4.3 Interpretation of the findings 20

CHAPTER FIVE 22

SUMMARY, CONCLUSIONS AND CONCLUSIONS 22

5.0 Introduction 22

5.1 Summary 22

5.2 Conclusion 23

5.3 Recommendation 24

5.4 Limitations of the Study 25

5.5 Areas for Further Research 25

REFERENCES 26

ABSTRACT This study looks at Electronic Banking and performance of commercial banks in line with the profitability. Electronic banking is the use of electronic and telecommunication networks to deliver a wide range of value added products and services to bank customers. E-baking in Uganda has emerged as a strategic resource for achieving higher efficiency, control of operations and reduction of cost by replacing paper based and labor intensive methods with automated processes thus leading to higher profitability and productivity. It is against this background that this study investigated the relationship between c-banking and performance of commercial banks in Uganda. Specifically the study meant to establish whether there exists a relationship between the dependent variable, for example, performance measured by profit after tax and the independent variables consisting of number of ATMs, number of debits and credit cards issued to customers, number of POS terminals and the usage levels of Mobile banking and electronic Funds Transfer, as components of c-banking. The study used secondary data which was collected from the annual report of commercial banks and central Bank of Uganda. The study used both descriptive and inferential statistics in analyzing the data. The study covered a period of five years from the year 2013 to 2017. The findings of the study were that E-banking has a positive and significant effect on the profitability of commercial banks in the Banking sector of Uganda. Thus, there exists positive relationship between E-banking and bank performance. The significance test showed that the influence of bank innovation in this research is statistically significant in explaining the profits of commercial banks in Uganda. The study recommends to the management of those banks that are slow in innovation adoption, to move in and adopt various innovations in their operations in order to shore up their profitability. This recommendation is well supported by the fact that highly profitable banks are mostly the fast movers in adoption of new technologies. It also recommends that the government policy makers should review policies related to promotion of innovation adoption and transfer of technology. Adoption of innovation will improve profitability of organizations because it will translate to better tax revenues for the government.

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APA

GILBERT, N (2022). Electronic Banking and Performance of Commercial Banks in Uganda. A Case Study of Bank of Uganda (2013-2017). Afribary. Retrieved from https://afribary.com/works/electronic-banking-and-performance-of-commercial-banks-in-uganda-a-case-study-of-bank-of-uganda-2013-2017

MLA 8th

GILBERT, NUWAMANYA "Electronic Banking and Performance of Commercial Banks in Uganda. A Case Study of Bank of Uganda (2013-2017)" Afribary. Afribary, 02 Aug. 2022, https://afribary.com/works/electronic-banking-and-performance-of-commercial-banks-in-uganda-a-case-study-of-bank-of-uganda-2013-2017. Accessed 10 Aug. 2022.

MLA7

GILBERT, NUWAMANYA . "Electronic Banking and Performance of Commercial Banks in Uganda. A Case Study of Bank of Uganda (2013-2017)". Afribary, Afribary, 02 Aug. 2022. Web. 10 Aug. 2022. < https://afribary.com/works/electronic-banking-and-performance-of-commercial-banks-in-uganda-a-case-study-of-bank-of-uganda-2013-2017 >.

Chicago

GILBERT, NUWAMANYA . "Electronic Banking and Performance of Commercial Banks in Uganda. A Case Study of Bank of Uganda (2013-2017)" Afribary (2022). Accessed August 10, 2022. https://afribary.com/works/electronic-banking-and-performance-of-commercial-banks-in-uganda-a-case-study-of-bank-of-uganda-2013-2017