Electronic Banking and Financial Performance of Commercial Banks

Purpose: The purpose of this study is to examine how the adoption of electronic banking services affects financial performance of commercial banks in Cameroon. The study aims to provide evidence on whether electronic banking enhances operational efficiency, customer service delivery, and profitability within the banking sector. Methodology: This study adopted ex-post facto research design. The sample size of 5 Commercial banks in Cameroon from 2016 to 2025 constituted the sample based on judgemental sampling technique. Secondary data from the annual reports of the sampled banks under review which include reports ATMS, Mobile banking, internet banking, ROA were used. The data were captured from the annual audited financial statements and collated with the aid of SPSS. The data were analysed through multiple regression model. Results and conclusions: The findings revealed that ATM, Internet Banking have a positive and statistically significant influence on the Return on Assets of commercial banks in Cameroon and mobile banking has a negative significant influenced on Return on asset. It thus concluded that electronic banking significantly influenced the financial performance of commercial banks in Cameroon, though the direction and magnitude of the effect vary across different e-banking channels. Implications: ATM and internet banking positively and significantly enhance bank profitability, so continued investment in these channels is justified. Conversely, mobile banking negatively impacts returns, requiring strategic reassessment of costs, security, and pricing to reverse the trend..