MANG, Niri
Department of Banking and Finance
University of Jos
JOHN, Blessing Abecan
Department of Business Administration
Faculty of Administration
Nasarawa State University, Keffi
JOHN, Emmanuel Kigbu
Department of Accounting, Faculty of Administration
Nasarawa State University, Keffi
ABSTRACT
This study examined impact of electronic banking (e-banking) channels on profitability of Guaranty trust
Bank (GTB). The study specifically assessed the impact of automated teller machine (ATM), point-of-sales
(POS), mobile banking (MB) and internet banking (INTBK) on the profitability of GTB. The study
collected data from bulletins of Central Bank of Nigeria (CBN) and National Bureau of Statistics (NBS)
covering a period of 8 years (2009- 2016). Multiple regression model was adopted to analyze data. Before
applying multiple regressions, the data was subjected to pre-diagnostic, normality and post-diagnostic tests.
The study found that ATM significantly contribute to profitability of GTB, while POS, MB and INTBK
does not contribute significantly to profitability of GTB. The study conclude that ATMs e-banking channels
impact profitability of GTB and recommends that GTB should invest more on e-banking channels (ATMs,
POS, MB, and INTBK), if they desire to improve the profitability of their operations.
Keywords: Automated teller machine, e-banking, point-of-sale, mobile banking, internet banking,
Profitability