2022, Vol. 3, Issue 2, Part A

The aim of this study was to examine the effectiveness and efficiency of the introduction of Digital Commercial Banking in Ghana In this study data collection was done through structured questionnaires and interview. These questionnaires were designed by taking into accounts the objectives and the hypothesis of the study. As a result, a sample size of 20 respondents was chosen for the collection of data. These respondents comprises of bank officials in which 75% were retained.

In this study, data collections were analyzed through the use of tables and graphs to present frequency and interpretation thereof From the findings, the e-banking system has bridged the gap between management and employees in such a way that consultations on decisions and services from management to employees and customers are done through the use of computers and modems respectively. Hence, it has rapidly reduced the work load and series of mistakes of the staff. Negatively, it has led to the termination of employees due to the illiteracy of the system.

Apparently, the long queues of customers during working hours has reduced, hence it has ceased unnecessary complains.