EAS Publisher | Electronic Banking and Deposit Money Bank’s Performance in Nigeria

Electronic Banking and Deposit Money Bank’s Performance in Nigeria

DOI : https://doi.org/10.36344/ccijemms.2021.v03i06.002

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The study investigates the impact of electronic banking on the performance of deposit money banks in Nigeria using quarterly data from the first quarter of 2010 the quarter of 2018 from the Central Bank of Nigeria statistical bulletin. It tested the response of the variables of interest, automated teller machine (ATM), point of sale (POS), mobile banking (MOBE), and web pay (WEPA) on net interest margin (NIMA).It employed the use of Jarque Bera normality and diagnostic tests, Augmented Dickey fuller unit root test for stationarity. The result shows that ATM, POS and WEPA are not significant to NIMA while MOBE is positively related and significant to NIMA. The study recommended that customers should be encouraged to use mobile banking platform.

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