Browsing by Author "Lugano, Lidia"

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    The impact of electronic banking on operational performance of commercial banks in Dar es salaam-Tanzania: A case of commercial banks in Dar es salaam Region –Tanzania.
    (Mzumbe university, 2016) Lugano, Lidia
    Electronic banking has grown considerably as a means of financial intermediation and innovation. Commercial banks have moved from traditional paper and manual operations to electronic operations. Despite the increasing importance of E-banking services, its impact is not well documented and information on issues like the degree to which E-banking has contributed in enhancing the operational performance of the banks and the issues connected with its utilization is deficient. Therefore, this study set to investigate the impact of electronic banking on the operational performance of commercial banks in Dar- Es -Salaam region. A cross sectional study design was used and involved a sample of 120 respondents consisting of employees and managers of four commercial banks namely; National Microfinance Bank plc., CRDB Bank plc., NBC Bank Limited and Tanzania Postal Bank operating in Dar- Es -Salaam region. Both purposive and random sampling was used in selecting the banks and respondents respectively. The data collected was analyzed by using both qualitative and quantitative method with the help of Statistical Package for Social Science Computer Software (SPSS). Various aspects of bank operations were examined to ascertain the linkage between those of E-banking and operations performance. Results show that ATMs are the most commonly used e-banking service followed by mobile banking and internet banking. The finding revealed that the main outcomes of e banking on bank operations are profitability, operational efficiency and improved service delivery. Security was found to be a major challenge affecting bank operations in using of e-banking. The study therefore, recommended both the banks and financial regulators to take constructive measures to ensure that there is enough security to financial information and customers be reminded to always keep their passwords, PIN numbers safely, and report any suspicious transactions immediately to their respective banks. vii TABLE OF C.