The impact of adopting electronic banking services on the profitability of commercial banks (A case study of Al Wahda Bank, Ras Lanuf branch)

Abstract

Adopting electronic banking services at Al Wahda Bank (Ras Lanuf branch) is a strategic transformation that has directly contributed to enhancing profitability levels by reducing operational costs associated with paperwork and human effort. These effects are evident in increased productivity and faster transaction completion, enabling the branch to attract a wider customer base and increase the volume of deposits and commissions resulting from digital services. These services have also contributed to reducing congestion within the branch and directing employees towards higher value-added tasks, which has positively impacted the return on assets and equity. Despite the infrastructure challenges, experience has proven that investing in technology reduces administrative expenses in the long term and creates competitive opportunities that ensure the sustainability of profits in the modern banking environment.