| dc.description.abstract | In this present world, we are always interacting with Information & Technologies and
always trying to keep pace with using new & newer Information & Technologies (IT)
and IT related devices. E-Banking is one of the parts to become a digital Bangladesh and
also it is being tried to adapt this in various organizations. As apparently, it can be
assumed that the adaptation of E-Banking can produce good results for the organizations.
This paper is a result of survey on the impact of E-Banking on the performance of
commercial banks, particularly some banks in Dinajpur area. Continuous technological
development, particularly information technology revolution of the decades has forced
the banks to introduce the E-Banking operations for their sustainable growth in expanded
competitive environment. E-Banking has made financial transactions easier for the
participants and has introduced wide range of financial products and services. The main
focus of this research is to present the scenario, prospects & the impact of E-Banking on
the performance of commercial banks. The study is descriptive in nature and data were
gathered both through direct observation and reaching at the websites of different banks,
conversation with bankers and interview by structured questionnaires through random
sampling technique with current customers of different banks. To measure operating
performance, I have analyzed questionnaire data from respondents those are primary in
nature. It indicates that operating performance of the banks is much more satisfied due to
E-Banking systems. Again, ROE, ROCE and ROA are also calculated to measure
financial performance with specified formulas data from annual reports. The result of
this measurement shows that E-Banking has a negative effect on the performance of the
commercial banks. Primary data analysis has produced commendable effect on the
performance of banks. But secondary data analyses have provided the result that is after
adaptation of E-Banking, Banking performance has been declined. And for this, only EBanking system is not liable. As we are in primary stage of adaptation process and our
people are not well accustomed with the system that occur increase in operating expenses
or more investment that didn’t provide required return. Again political instability and
also the effect of economic slowdown may cause for this result. If everything remains
better, we hope this system may provide a good result in near future. The study also
highlights some constraints and steps of overcoming those constraints of E-Banking in
banking sector of Bangladesh. | en_US |
