ISSN: 1204-5357

All submissions of the EM system will be redirected to Online Manuscript Submission System. Authors are requested to submit articles directly to Online Manuscript Submission System of respective journal.

Review Article Open Access

Varying Impacts of Electronic Banking on the Banking Industry


The banking industry has undergone tremendous changes with the introduction of information technology (IT). Electronic banking (EB) is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.

Sali Bakare

To read the full article Download Full Article | Visit Full Article