International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 8 Issue 2
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The Effect of Digital Banking on Traditional Banking Operations. The case of NATSAVE Bank Zambia

Author(s) Ms. Tambudzai Muchimba
Country Zambia
Abstract Digital banking has been rapidly adopted by many banks in the recent past. This rapid adoption has been accelerated by technological advancements and global events such as the COVID-19 pandemic, which significantly reduced the possibility of physical interactions. This shift towards digital solutions has been further driven by the emergence of FinTech companies, which offer alternative banking services that compete with traditional banking models. Digital banks themselves offer innovative services like instant payments, real-time account balances, and 24/7 customer service, all of which provide them with a competitive edge over traditional banks, which struggle to match such convenience. As a result, traditional banks have been compelled to integrate digital banking services to stay competitive in the financial market. Hence, the need to undertake a study of the effect of digital banking on traditional banking operations using a case study of NATSAVE bank. This study was conducted using a quantitative research design in which data was collected from 200 randomly sampled employees of NATSAVE Bank using a likert questionnaire as an instrument of data collection. The study used Pearson Correlation and regression analysis as methods of data analysis. The general objective of the study was “to assess the impact of digital banking on the performance of NATSAVE bank”. This objective was aided by the following four (4) objectives: To analyze the adoption of digital banking services in NATSAVE bank; To assess the extent to which internet banking has affected the performance of NATSAVE bank; To establish the extent to which mobile banking has affected performance of NATSAVE bank.; To establish the extent to which electronic card banking has affected performance of NATSAVE bank and; To establish the extent to which e-wallet banking has affected performance of NATSAVE bank. The results of the study established that internet banking had a strong positive and statistically significant effect of 0.48 on banking performance. Mobile banking was found to have the second strongest influence of 32.8 percent (0.328) on banking performance on a marginal basis. Electronic card banking found to have a negative and significant relationship with banking performance with a magnitude of -0.176. E-wallet was found to have the third strongest and statistically significant effect on banking performance with a magnitude of 0.200. It was recommended that bank managers focus on adopting internet banking, mobile banking and e-wallet banking system if they have to improve banking performance
Keywords Digital banking, traditional banking, operations
Field Business Administration
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-04
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.69682
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