Abstract:
The study is E-banking and the performance of the banking industry in Uganda, with EcoBank Ndeeba
as the case study. The study was guided by the following objectives: To establish the effect of
automatic teller machine (ATM) services on the performance of EcoBank Bank in Uganda.To evaluate
the effect of electronic funds transfer (EFT) services on the performance of EcoBank Bank in
Uganda.To investigate the role of mobile banking services on the performance of EcoBank bank in
Uganda. During the data collection phase of the study, questionnaire and interview guide methods were
used. The entire research process or exercise was conducted using an exploratory research design, and
both qualitative and quantitative methodologies were used for data collecting and analysis. The study
surveyed 80 participants, including the manager, assistant manager, E-banking department staff,and bank
customers at EcoBank Ndeeba Branch. According to the research's findings , there is no significant
relationship between E-banking and the performance of EcoBank Ndeeba Branch even though in today's
financial institutions, E-banking is the way to go because it increases client happiness, which is essential
to raising performance levels. The study explored different dimensions of bank performance, including
profitability, liquidity, asset quality, and efficiency. The comparative analysis highlighted the aspects
of bank performance that were most valued by respondents, such as competitive interest rates, ATM
security measures, and mobile banking user-friendliness but the most important all of was competitive
interest rates on deposits and investment. The study went on to show through regression analyses
conducted for Automatic Teller Machine (ATM) services, Electronic Funds Transfer (EFT) services,
and Mobile Banking services and this provided provided insights into the relationship between these
services and overall bank performance. While the relationship varied for different services and
dimensions of bank performance, the services that have a slighthly significant relationship with the
overall bank performance are Electronic Funds Transfer (EFTs).
