Call for Papers:Vol.11 Issue.3

Submission
Last date		 28-Jun-2025
Acceptance Status In One Day
Paper Publish In Two Days
Submit ManuScript

News & Updates

Submit Article

Dear Authors, Article publish in our journal for Volume-11,Issue-3. For article submission on below link: Submit Manuscript


Join As Board

Dear Reviewer, You can join our Reviewer team without given any charges in our journal. Submit Details on below link: Join As Board


Paper Publication Charges

IJARIIE APP
Download Android App

For Authors

Archives

IJARIIE Board

Downloads

Android App

Download IJARIIE APP

Authors

Title: :  The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges
PaperId: :  26509
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 3 2025
DUI:    16.0415/IJARIIE-26509
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Essam Zaid Shoaib Al-Dabbashi Sabratha Higher Institute of Science and Technology
Haitham Daw Ammar AlfehrihSabratha Higher Institute of Science and Technology

Abstract

Digital Banking
Electronic Payments, Commercial Banks, Technological Challenges, Customer Satisfaction, Cybersecurity Risks
This study examines the transition to electronic payment methods in commercial banks, focusing on their benefits and the challenges hindering their widespread adoption. With rapid technological advancements, electronic payments (e.g., mobile payments, digital wallets, and online transfers) have become essential for enhancing financial transaction efficiency, security, and customer experience. However, despite their advantages, several obstacles persist, including technological infrastructure gaps, cybersecurity risks, regulatory ambiguities, and resistance from certain customer segments. Using a mixed-methods approach, the study analyzes survey data from 45 respondents (customers and employees) across three Libyan commercial banks (Al-Jumhouria, Al-Wahda, and National Commercial Bank). Statistical tools (SPSS) were employed to test hypotheses, revealing that electronic payments significantly improve transaction speed, operational efficiency, and customer satisfaction. However, challenges such as frequent technical failures, insufficient security measures, and lack of customer awareness were identified as critical barriers. The study concludes with recommendations for banks and policymakers to strengthen digital infrastructure, enhance cybersecurity frameworks, and promote financial literacy to accelerate the adoption of electronic payments.

Citations

Copy and paste a formatted citation or use one of the links to import into a bibliography manager and reference.

IJARIIE Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. "The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 3 2025 Page 674-712
MLA Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. "The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges." International Journal Of Advance Research And Innovative Ideas In Education 11.3(2025) : 674-712.
APA Essam Zaid Shoaib Al-Dabbashi , & Haitham Daw Ammar Alfehrih. (2025). The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges. International Journal Of Advance Research And Innovative Ideas In Education, 11(3), 674-712.
Chicago Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. "The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 3 (2025) : 674-712.
Oxford Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. 'The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, 2025, p. 674-712. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/The_Shift_to_Electronic_Payment_Methods_in_Commercial_Banks__Benefits_and_Challenges_ijariie26509.pdf (Accessed : ).
Harvard Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. (2025) 'The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges', International Journal Of Advance Research And Innovative Ideas In Education, 11(3), pp. 674-712IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/The_Shift_to_Electronic_Payment_Methods_in_Commercial_Banks__Benefits_and_Challenges_ijariie26509.pdf (Accessed : )
IEEE Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih, "The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, pp. 674-712, May-Jun 2025. [Online]. Available: http://ijariie.com/AdminUploadPdf/The_Shift_to_Electronic_Payment_Methods_in_Commercial_Banks__Benefits_and_Challenges_ijariie26509.pdf [Accessed : ].
Turabian Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. "The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 3 ().
Vancouver Essam Zaid Shoaib Al-Dabbashi , and Haitham Daw Ammar Alfehrih. The Shift to Electronic Payment Methods in Commercial Banks: Benefits and Challenges. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : ]; 11(3) : 674-712. Available from: http://ijariie.com/AdminUploadPdf/The_Shift_to_Electronic_Payment_Methods_in_Commercial_Banks__Benefits_and_Challenges_ijariie26509.pdf
BibTex EndNote RefMan RefWorks

Number Of Downloads



Save in Google Drive

Similar-Paper

TitleArea of ResearchAuther NameAction
INTEGRATING THE FLIPPED CLASSROOM MODEL WITH PROJECT-BASED LEARNING IN TEACHING MICROSOFT POWERPOINT: A CASE STUDY AT THE UNIVERSITY OF AGRICULTURE AND FORESTRY, THAI NGUYEN UNIVERSITYEducationNguyen Ngoc Lan Download
Eye Glaucoma Detection Using Machine LearningInformation Science & Engineering Uday M B Download
The Shift to Electronic Payment Methods in Commercial Banks: Benefits and ChallengesDigital BankingEssam Zaid Shoaib Al-Dabbashi Download
DEEP ADAPTIVE FEATURE FUSION FOR ORIGIN DESTINATION PASSENGER FLOW FORECASTING IN MASS EVENTSInformation TechnologyBHUKYA RAJAKUMAR Download
REAL TIME EMERGENCY VEHICLE DETECTION USING MACHINE LEARNINGComputer Science and EngineeringAravinthkumar A Download
COLLEGIUMBOT: AN AI-DRIVEN CHATBOT FOR ENHANCING STUDENT ENGAGEMENT AND CAMPUS LIFE THROUGH VOICE-BASED INTERACTIONInformation TechnologySIVASANKAR CHITTOOR Download
AUTOMATED VIDEO TEXT EXTRACTION AND SUMMARIZATION SYSTEM USING LSTM NETWORKSInformation TechnologyT SUNDARARAJULU Download
BLOOD GROUP DETECTION USING FINGERPRINTInformation TechnologyN ANITHA Download
SOLAR RADIATION PREDICTION USING MACHINE LEARNINGInformation TechnologyM RAM KUMAR Download
DEFENDING AGAINST POISONING ATTACKS IN FEDERATED LEARNING WITH BLOCKCHAININFORMATION TECHNOLOGYT.SUNDARARAJULU. Download
DEEP CONVOLUTIONAL NEURAL NETWORK FOR ROBUST DETECTION OF OBJECT-BASED FORGERIES IN ADVANCED VIDEOINFORMATION TECHNOLOGYD.VISWASAHITYA Download
SMART CAR PRICE PREDICTOR USING MACHINE LEARNINGINFORMATION TECHNOLOGYS.JASMIN Download
SUPERVISED LEARNING MODEL INSIGHTS AND EVALUATIONInformation TechnologyB. RAJA KUMAR Download
Enhancing Forensic Data Protection: A Robust Storage Framework with Verified Access and Intelligent Key-Based EncryptionComputer Science EngineeringN ANITHA Download
PREDICTING NEONATAL CARDIAC ARREST IN THE CICU: A STATISTICAL MACHINE LEARNING APPROACH FOR EARLY INTERVENTIONINFORMATION TECHNOLOGYD Viswasahithya Download
12