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Title: :  AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)
PaperId: :  13252
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-13252
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. Tinashe DONDONational University of Science and Technology, Bulawayo, Zimbabwe
Mr. Takudzwa. C. MARADZEMidlands State University, Harare, Zimbabwe

Abstract

Economics
Commercial Banks, Electronic Banking, Zimbabwe
With the world experiencing a global electronic revolution where almost every business transaction can be done through electronic means, Zimbabwean banks have not been left out. The rise of e-banking in Zimbabwe poses a challenge on the competitiveness of commercial banks. This research paper sought to analyse the impact of electronic banking on commercial bank competitiveness in Zimbabwe (2010-2016). A cross sectional survey was used to address the objectives and hypothesis of the study. A descriptive research design that allowed the researcher to collect primary quantitative data through structured questionnaires and interviews was used. The questionnaire with closed Likert-type scale questions was used and a sample of 100 e-banking customers and 40 commercial banks’ staff was used in this study. Judgemental sampling was used to select respondents for both interviews and questionnaires. The results revealed that e-banking has an impact on commercial bank competitiveness. The study revealed that quality of service delivery of electronic banking attracts and retain customers giving the bank a competitive edge within the industry and the market. The findings of the study also revealed benefits of e-banking to both customers and banks. Benefits of e-banking to banks include increasing competitiveness, widening customer base, improving bank profitability, improving marketing of bank products and making marketing of bank products easy. Benefits of e-banking to customers include convenience, reliability, ease of access and use, efficiency, responsiveness, security and lower transaction costs. The study revealed that banks should ensure improve service delivery to increase customer satisfaction in order to increase uptake of e-banking by customers. The study recommended that banks’ network infrastructure should be improved so as to enhance efficiency and convenience of using internet banking effective. A good network infrastructure will enable banks to deliver quality service which will result in customer retention and a strong relationship building between the banks and the customers.

Citations

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IJARIIE Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. "AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)" International Journal Of Advance Research And Innovative Ideas In Education Volume 6 Issue 6 2020 Page 1220-1247
MLA Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. "AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)." International Journal Of Advance Research And Innovative Ideas In Education 6.6(2020) : 1220-1247.
APA Mr. Thabani NYONI, Mr. Tinashe DONDO, & Mr. Takudzwa. C. MARADZE. (2020). AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016). International Journal Of Advance Research And Innovative Ideas In Education, 6(6), 1220-1247.
Chicago Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. "AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)." International Journal Of Advance Research And Innovative Ideas In Education 6, no. 6 (2020) : 1220-1247.
Oxford Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. 'AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)', International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, 2020, p. 1220-1247. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/AN_EVALUATION_OF_THE_IMPACT_OF_ELECTRONIC_BANKING_ON_COMMERCIAL_BANK_COMPETITIVENESS__A_CASE_OF_ZIMBABWE__2010_2016__ijariie13252.pdf (Accessed : ).
Harvard Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. (2020) 'AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)', International Journal Of Advance Research And Innovative Ideas In Education, 6(6), pp. 1220-1247IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/AN_EVALUATION_OF_THE_IMPACT_OF_ELECTRONIC_BANKING_ON_COMMERCIAL_BANK_COMPETITIVENESS__A_CASE_OF_ZIMBABWE__2010_2016__ijariie13252.pdf (Accessed : )
IEEE Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE, "AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)," International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, pp. 1220-1247, Nov-Dec 2020. [Online]. Available: https://ijariie.com/AdminUploadPdf/AN_EVALUATION_OF_THE_IMPACT_OF_ELECTRONIC_BANKING_ON_COMMERCIAL_BANK_COMPETITIVENESS__A_CASE_OF_ZIMBABWE__2010_2016__ijariie13252.pdf [Accessed : ].
Turabian Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. "AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016)." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 6 number 6 ().
Vancouver Mr. Thabani NYONI, Mr. Tinashe DONDO, and Mr. Takudzwa. C. MARADZE. AN EVALUATION OF THE IMPACT OF ELECTRONIC BANKING ON COMMERCIAL BANK COMPETITIVENESS: A CASE OF ZIMBABWE (2010-2016). International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2020 [Cited : ]; 6(6) : 1220-1247. Available from: https://ijariie.com/AdminUploadPdf/AN_EVALUATION_OF_THE_IMPACT_OF_ELECTRONIC_BANKING_ON_COMMERCIAL_BANK_COMPETITIVENESS__A_CASE_OF_ZIMBABWE__2010_2016__ijariie13252.pdf
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