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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.

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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, https://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: https://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: https://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: https://ijariie.com/AdminUploadPdf/The_Shift_to_Electronic_Payment_Methods_in_Commercial_Banks__Benefits_and_Challenges_ijariie26509.pdf
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