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Relationship between Cashless Banking and Bank’s Profitability of Bangladesh Rony Kumar Datta

Relationship between Cashless Banking and Bank’s Profitability of Bangladesh

Author (s)

Rony Kumar Datta

Abstract

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Cashless banking is one of the most progressive banking policies nowadays especially in this modern era of digitalization. The quest of this study is to explore the relationship of the profitability of the bank’s industry with the cashless banking of Bangladesh. Return on Equity (ROE) and Return on Asset (ROA) have been taken as the proxy of profitability whereas transactions volume of Mobile Financial Services (MFS), Automated Teller Machine (ATM), Debit Card and Internet Banking Fund Transfer (IBFT) have been used as the proxy of cashless banking industry in Bangladesh. By collecting secondary data of seven years period from the annual report of the Central Bank of Bangladesh, this study applies a multiple regression technique to explain the relationship between bank’s profitability and cashless banking. The result shows that IBFT has a significant positive impact and ATM & Debit card has a significant negative impact on the ROE whereas MFS and IBFT has positive and Debit Card has a negative impact on the ROA of banking industry of Bangladesh. It is revealed from the findings that almost all the factors have positive/negative impact either on ROA or ROE but only IBFT have a positive and significant impact on both ROA and ROE. The findings of this study are somewhat significant for the regularity authorities and stakeholders of bank and non-bank financial institutions as well as for the academicians and government as a whole.

 Keywords: E-Banking, Cashless Transactions, Digital Payment System, Banking Industry of Bangladesh, Paperless Economye.

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Title: Relationship between Cashless Banking and Bank’s Profitability of Bangladesh
Author: Rony Kumar Datta
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4683181
Media: Online & Print
Volume: 5
Issue: 7
Acceptance Date: 12/04/2021
Date of Publication: 13/04/2021
PDF URL: https://ijsab.com/wp-content/uploads/762.pdf
Free download: Available
Page: 21-32
First Page: 21
Last Page: 32
Paper Type: Research Paper
Current Status: Published

Cite This Article:

Rony Kumar Datta (2021). Relationship between Cashless Banking and Bank’s Profitability of Bangladesh. International Journal of Science and Business, 5(7), 21-32. doi: https://doi.org/10.5281/zenodo.4683181

Retrieved from https://ijsab.com/wp-content/uploads/762.pdf

 

About Author (s)

Rony Kumar Datta, Assistant Professor, Department of Finance & Banking, Hajee Mohammad Danesh Science and Technology University (HSTU), Dinajpur- 5200, Bangladesh. Email: rony.datta@hstu.ac.bd

 

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DOI: https://doi.org/10.5281/zenodo.4683181

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E-Banking in United Arab Emirates: Understanding the Innovation and the Impact of Its Adoption Besar Ibrahim Mohammed

E-Banking in United Arab Emirates: Understanding the Innovation and the Impact of Its Adoption

Author (s)

Besar Ibrahim Mohammed

Abstract

Advent and development of technology have brought a lot of advancement to businesses and business transactions around the world; the banking sector and other financial institutions across the world should however not be left out of the benefits of technological development. Electronic banking is an innovative development that has brought a dynamic service operation in the banking sectors. Internet banking has brought a reliable and fast service for customers’ convenience. It has also been embraced in developed and underdeveloped countries, making the innovation a worldly accepted one. The United Arab Emirates (UAE), with one of the best economies in the Middle East, is one of the countries that have embraced electronic banking over the years. The study aims to understand the pattern of electronic banking transactions in the UAE, the customers’ reasons for adoption and non-adoption of the system, as well as the challenges facing electronic banking in the UAE. The study equally aims to understand security, trust, compatibility, physical contact, and computer education as a factor for its adoption and non-adoption of electronic banking.

 Keywords: e-banking, internet banking, UAE, mobile banking, online banking.

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Title: E-Banking in United Arab Emirates: Understanding the Innovation and the Impact of Its Adoption
Author: Besar Ibrahim Mohammed
Journal Name: International Journal of Science and Business
Website: ijsab.com
ISSN: ISSN 2520-4750 (Online), ISSN 2521-3040 (Print)
DOI: https://doi.org/10.5281/zenodo.4250035
Media: Online
Volume: 4
Issue: 12
Acceptance Date: 03/11/2020
Date of Publication: 06/11/2020
PDF URL: https://ijsab.com/wp-content/uploads/625.pdf
Free download: Available
Page: 62-68
First Page: 62
Last Page: 68
Paper Type: Short Review
Current Status: Published

 

Cite This Article:

Besar Ibrahim Mohammed (2020). E-Banking in United Arab Emirates: Understanding the Innovation and the Impact of Its Adoption. International Journal of Science and Business, 4(12), 62-68. doi: https://doi.org/10.5281/zenodo.4250035

Retrieved from https://ijsab.com/wp-content/uploads/625.pdf

 

About Author (s)

Besar Ibrahim Mohammed, Department of Accounting, Paytaxt Private Institute, Irbil, Iraq.

 

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DOI: https://doi.org/10.5281/zenodo.4250035