Mobile and Internet Banking as Drivers of Financial Performance: Insights from First Capital Bank Botswana

Customers may use their cellphones to conduct financial transactions using applications and websites. These services assist both banks and clients by lowering operational costs while improving service ease. The purpose of this study was to look at how mobile and internet banking affected First Capital Bank's financial performance. A descriptive-correlational study design was used. Data was collected using questionnaires issued to 100 employees, with a 90% return rate. A quantitative technique was adopted to investigate the association between mobile banking services (ATMs, apps, email banking, and websites) and financial performance measures such as revenue and return on equity (ROE). Security, connectivity difficulties, awareness, and customer relationship management were among the key considerations. Descriptive study revealed that mobile and internet banking boosted the bank's financial performance, resulting in improved revenue and asset growth. The research took an interpretivist approach, focusing on employee experiences. The findings imply that mobile and online banking improve profitability. The study advises the use of AI technology to improve service delivery and increase income.

Authors

Publication Details

Journal
International Journal of Applied Research in Business and Management
Published
2025-10-09
DOI
https://doi.org/10.51137/wrp.ijarbm.313
Primary Topic
Microfinance and Financial Inclusion
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Mobile and Internet Banking as Drivers of Financial Performance: Insights from First Capital Bank Botswana

Naledi Kebelaetse, Albert Nhete
International Journal of Applied Research in Business and Management
Microfinance and Financial Inclusion
article

Mobile and Internet Banking as Drivers of Financial Performance: Insights from First Capital Bank Botswana

Naledi Kebelaetse, Albert Nhete
article en

Abstract

Customers may use their cellphones to conduct financial transactions using applications and websites. These services assist both banks and clients by lowering operational costs while improving service ease. The purpose of this study was to look at how mobile and internet banking affected First Capital Bank's financial performance. A descriptive-correlational study design was used. Data was collected using questionnaires issued to 100 employees, with a 90% return rate. A quantitative technique was adopted to investigate the association between mobile banking services (ATMs, apps, email banking, and websites) and financial performance measures such as revenue and return on equity (ROE). Security, connectivity difficulties, awareness, and customer relationship management were among the key considerations. Descriptive study revealed that mobile and internet banking boosted the bank's financial performance, resulting in improved revenue and asset growth. The research took an interpretivist approach, focusing on employee experiences. The findings imply that mobile and online banking improve profitability. The study advises the use of AI technology to improve service delivery and increase income.

International Journal of Applied Research in Business and ManagementVol. 6(2)
Openalex Percentile: Top 63%
Microfinance and Financial Inclusion
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.