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The Impact of Electronic Banking on Banking Transactions: A Cost-Benefit Analysis

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  • Rimpi Kaur

Abstract

Banks are shifting from paper-based to electronic transactions. As of today, 50% of total transactions are electronic-based, and this share is increasing at an incredible rate. Hence, there is a need to assess the effects of electronic banking on business operations of banks. In this light, the present paper analyzes the computerization, expenditure on electronic banking and cost-benefit analysis of paper-based and electronic transactions. The paper notes that there is a swing from paper-based transactions to electronic transactions, with electronic transactions escalating drastically and earning business value at a triple rate. Per transaction value is 168 times per transaction cost which shows sound returns. The paper also evaluates the effect of transactions on cost and value through correlation-coefficient and concludes that electronic banking has positive and significant impact on cost and value of transactions.

Suggested Citation

  • Rimpi Kaur, 2013. "The Impact of Electronic Banking on Banking Transactions: A Cost-Benefit Analysis," The IUP Journal of Bank Management, IUP Publications, vol. 0(2), pages 62-71, May.
    • Handle: RePEc:icf:icfjbm:v:12:y:2013:i:2:p:62-71
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    Cited by:

    1. Shaohua Yang & Zeyun Li & Yaxin Ma & Xingxing Chen, 2018. "Does Electronic Banking Really Improve Bank Performance? Evidence in China," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 10(2), pages 82-94, February.
    2. Uchenna Aduaka & Olawumi Dele Awolusi, 2020. "Electronic Banking and Profitability in the Nigerian Banking Industry," Information Management and Business Review, AMH International, vol. 12(2), pages 20-37.

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