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Title: :  THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE
PaperId: :  13251
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 6 Issue 6 2020
DUI:    16.0415/IJARIIE-13251
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Mr. Thabani NYONIUniversity of Zimbabwe, Harare, Zimbabwe
Mr. Gladmore CHINDUDZIMidlands State University, Gweru, Zimbabwe
Mr. Takudzwa. C. MARADZEUniversity of Zimbabwe, Harare, Zimbabwe

Abstract

Economics
Commercial Banks, Digital Banking, Zimbabwe
The main objective of the study was to investigate the impact of digital banking on the financial performance of commercial banks in Zimbabwe. The study was centred on 40 branches of commercial banks in Zimbabwe making use of annual secondary data for the period 2013 to 2017 obtained from the banks’ annual financial reports and publications. Four digital banking variables (online customer deposits, online banking transactions, internet fees and commissions and internet banking expenditure) were adopted and return on assets (ROA) was used as the measure of financial performance. Panel data analysis (the Random effects regression model) and the Pearson’s Product Moment Correlation analysis were employed as the statistical data analysis tools. The study established that digital banking has contributed positively to the performance of Zimbabwe’s commercial banks through increased online customer deposits and banking transactions. On the other side, the study found that electronic banking usage inversely and significantly influenced the financial performance of commercial banks as measured by ROA. The study recommends that commercial banks in Zimbabwe should partner and subscribe to reliable local mobile network providers for uninterrupted and effective service delivery and also ensure that the mobile network providers craft innovative services that are tailor-made to the banks’ customers. The banks should continuously upgrade their electronic banking technology so that they have an updated system in place for effective and efficient service delivery

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IJARIIE Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. "THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE" International Journal Of Advance Research And Innovative Ideas In Education Volume 6 Issue 6 2020 Page 1190-1219
MLA Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. "THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education 6.6(2020) : 1190-1219.
APA Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, & Mr. Takudzwa. C. MARADZE. (2020). THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE. International Journal Of Advance Research And Innovative Ideas In Education, 6(6), 1190-1219.
Chicago Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. "THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education 6, no. 6 (2020) : 1190-1219.
Oxford Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. 'THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE', International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, 2020, p. 1190-1219. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_DIGITAL_BANKING_ON_THE_PERFOMANCE_OF_COMMERCIAL_BANKS_IN_ZIMBABWE_ijariie13251.pdf (Accessed : ).
Harvard Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. (2020) 'THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE', International Journal Of Advance Research And Innovative Ideas In Education, 6(6), pp. 1190-1219IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_DIGITAL_BANKING_ON_THE_PERFOMANCE_OF_COMMERCIAL_BANKS_IN_ZIMBABWE_ijariie13251.pdf (Accessed : )
IEEE Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE, "THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE," International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, pp. 1190-1219, Nov-Dec 2020. [Online]. Available: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_DIGITAL_BANKING_ON_THE_PERFOMANCE_OF_COMMERCIAL_BANKS_IN_ZIMBABWE_ijariie13251.pdf [Accessed : ].
Turabian Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. "THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 6 number 6 ().
Vancouver Mr. Thabani NYONI, Mr. Gladmore CHINDUDZI, and Mr. Takudzwa. C. MARADZE. THE IMPACT OF DIGITAL BANKING ON THE PERFOMANCE OF COMMERCIAL BANKS IN ZIMBABWE. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2020 [Cited : ]; 6(6) : 1190-1219. Available from: https://ijariie.com/AdminUploadPdf/THE_IMPACT_OF_DIGITAL_BANKING_ON_THE_PERFOMANCE_OF_COMMERCIAL_BANKS_IN_ZIMBABWE_ijariie13251.pdf
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