ISSN: 2265-6294

Electronic Banking and Customers’ Access to Banking Services in Rural Settlements

Main Article Content

Etim, Glory Sunday, Ada, Julius Agba, Eyo, Itam Eyo, Samuel Etim Ndem, Edim Eka James

Abstract

This Study Examined The Influence Of E-Banking On Customers’ Access To Banking Services In Rural Settlements. It Assessed The Influences Of Automated Teller Machine Banking, Mobile Banking And Internet Banking On Rural Customers’ Access To Banking Services. The Study Adopted Cross-Sectional Survey Research Design. A Structured Questionnaire Was Used To Obtain Primary Data From Bank Customers In Rural Settlements. The Data Obtained Were Analyzed And Hypotheses Tested Using Descriptive Statistics (Simple Percentages And Frequencies) And Multiple Linear Regression In The Statistical Package For The Social Sciences (Spss 23). Consequently, The Findings Revealed That Automated Teller Machine Banking, Mobile Banking And Internet Banking Had Significant Positive Influences On Customers’ Access To Banking Services In Rural Settlements. To This End, The Study Suggested That Commercial Banks Should Increase The Number And Functionality Of Automated Teller Machines Available In Rural Settlements In Order To Substantially Expand Access To Banking Services For Rural Dwellers In Need Of Financial Services; And Adequate Sensitization Campaigns Should Be Organized By Commercial Banks In Rural Settlements To Educate Residents On The Key Benefits Of E-Banking And To Provide Guidance To Them In Operating Mobile Banking Tools In Order To Accelerate Their Access To Banking Services.

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