The Effect of Digital Banking on the Financial Performance of Commercial Banks in Uganda
Abstract
Digital ibanking isolutions, ialso iknown ias imulti-channel isolutions, iare ielective itechniques
ithat ia iclient ican iuse ito iacquire ispecific ihelp ifrom ihis/her iassociation.Financial iinnovation
ioccurs iin ithe iemergence iof ilending iplatforms ithat imediate iinformation iflows ifrom
itraditional ibanking isystems ito iunbanked iborrowers iand ialso iassist iin icredit irisk-sharing
ianalyses. iThe istudy iwill iemploy ia idescriptive iresearch idesign. iAccording ito iLavrakas
i(2008), ia idissimilar ireport iconfiguration iis ia inon-exploratory iexamination iplan ithat icrosses
inumerous idisciplines ito icollect ia ilarge iamount iof iresearch idata ifrom ian iagent itest iand
iinspect iit ifrom ithe iinvestigation ipopulation. iThe iresearch iwill irely ion isecondary idata,
idigital ibanking idata iin iUganda, iincluding ithree idifferent itypes iof idigital ibanking iservices:
iagency ibanking, iinternet ibanking, iand imobile ibanking. iData iwill ibe icollected ifrom i2016 ito
i2020 ion idigital ibanking iservices iand ifinancial iperformance iin ithe iAnnual iManagement i&
iAccount iSupervisor iReports iof ithe iBank iof iUganda.The ioutcome icomprised iof i26 ibanks iin
iUganda. iThe imain idata igathering iwas ithe iuse iof ia iclosed-end iquestionnaire ias ia idata
icollecting imethod. iTo iclarify imonetary iexecution iand icomputerized ibanking ireception, ithe
idispersion iof idevelopment ihypothesis, ithe ifinancial iinnovations itheory, iand ithe iinnovation
iacknowledgement imodel iwill iall ibe iapplied. iThe iresearch iused iboth idescriptive iand
iinferential istatistics iincluding icorrelation iand imultiple ilinear iregression ianalyses. iThe
iresults iof ithe iresearch ishowed ithe ieffectof idigital ibanking ion ithe ifinancial iperformance iof
icommercial ibanks iin iUganda ihighly ishown. Further istudies ishowed ithat inone iof ithe
icharacteristics iof ifinancial iinnovation iwere isubstantially ilinked iwith ifinancial iperfomance.
iPolicy isuggestions iare imade ito igovernment iofficials iand ipolicy-makers, iin iparticular
iregulators, ithe iCentral iBank iof iUganda i(CBU) iand ithe iSacco iCorporations iRegulatory
iAuthority iof iuganda i(SASRA) iand ito ithe iTreasury, inot ito iconcentrate ilargely ion ifinancial
iinnovation iwhile iseeking ito ienhance iaccess ito iloans, ito. iThe ivalues ito ibe iused iin ithe
iresearch iare iagency ibanking, iinternet ibanking, iand imobile ibanking iwhich ihave ia ihuge
iinfluence ion ifinancial iperformance iwhich iis ias ia iresult iof itechnology. iThe ithree ivariables
iare ia iresult iof itechnological iinnovations iin ibanking iand ifinancial iinclusions.
Publisher
University of Nairobi
Rights
Attribution-NonCommercial-NoDerivs 3.0 United StatesUsage Rights
http://creativecommons.org/licenses/by-nc-nd/3.0/us/Collections
- School of Business [1432]
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