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February 27, 2026Open Access

E-Banking and Profitability Performance of Commercial Banks in Nigeria

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Authors

CEChidinma Ngozi Ezeaku

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Overview

Ex-post-facto analysis shows significant effects of e-transactions on profitability in commercial banks, suggesting economic enhancement.

Key Points

  • The study aims to examine how e-transactions impact the profitability of commercial banks in Nigeria.
  • Ex-post-Facto research design used over the period 2010-2020.
  • Analysis through Auto Regressive Distributed Lag (ARDL) model.
  • Error Correction Model (ECM) for diagnostic tests and statistical estimation.
  • E-cheque, ATM, Mobile Money Transfer, POS, and Online Payments are significant for profitability at p<0.05, except E-cheque.
  • Approximately 83% of the variation in bank profitability is explained by these e-banking variables.

Cite This Study

Chidinma Ngozi Ezeaku (2025) studied this question.

synapsesocial.com/papers/69a135b0ed1d949a99abfbe2https://doi.org/10.5281/zenodo.18773392
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