Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited

Mahbub Rahman; Nilanjan Kumar Saha; Md. Nazirul Islam Sarker; Arifin Sultana; A. Z. M. Shafiullah Prodhan

doi:doi:10.11648/j.ajomis.20170202.13

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Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited

Mahbub Rahman, Nilanjan Kumar Saha, Md. Nazirul Islam Sarker, Arifin Sultana, A. Z. M. Shafiullah Prodhan

Published in American Journal of Operations Management and Information Systems (Volume 2, Issue 2)

Received: 4 October 2016 Accepted: 26 December 2016 Published: 24 January 2017

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Abstract

The main objective of this report examines the present status, problems and prospects of E-banking in Bangladesh. This study has been done mainly based on primary and secondary sources of data or information, which included different publications, journals and different books. The primary data is collected from respondents through structured interview schedule. To accomplish this report we have implemented the interviewing approach on Dutch-Bangla Bank Limited. Bangladesh, particularly who avail the electronic banking services. Dutch-Bangla Bank is acting as a pioneer in this sector. Customers who were habituated with e-banking thinks that e-banking services were relatively good than manual system, but they not satisfied with the quality of services and bank personnel behavior to that extent. There were total 11 questions and the sample size of 100 registered e-banking clients of DBBL. Collected data were summarized and analyzed by using SPSS version 22, MINITAB 17 and Microsoft Excel. This paper addressed significant gaps in existing knowledge about the electronic banking and landscape. The results showed that e-banking serves several advantages to Bangladeshi banking sector, however, this study also observed that the customers of DBBL have not enough knowledge regarding e-banking which is rendering by banking sector in Bangladesh. This study will help to know how one bank can improve the level of electronic banking services in Bangladesh and what were the potential issues or services that should be introduced in society to facilitate the customer in a better way and to complete their rivals in banking industry as a whole.

Published in	American Journal of Operations Management and Information Systems (Volume 2, Issue 2)
DOI	10.11648/j.ajomis.20170202.13
Page(s)	42-53
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2017. Published by Science Publishing Group

Keywords

Problems, Prospects, Electronic Banking, Performance, Analysis, Bangladesh

References

[1]	Ali M M., 2010. E-Business and on line banking in Bangladesh: an Analysis. AIUB Bus Econ Working Paper Series, No 2010-03.
[2]	Anonymous. 2014. Annual Report of Dutch Bangla Bank Limited for the year 2014. Website: www.dutchbanglabank.com
[3]	Hari Mohan, Norani Ahmad, Quah Chi Kong, Chiam Tzeh Yew, Jimmy Liew, Nik Kamariah Nik Mat. 2013. Determinants of the Internet Banking Intention in Malaysia. American Journal of Economics, 3 (3), pp. 149-152.
[4]	Hasan, A. H. M. S., Baten, M. A., Kamil, A. A., Parveen, S. 2010. Adoption of e-banking in Bangladesh: An exploratory study. African Journal of Business Management, 4 (13), 2718-2727.
[5]	Islam Md Monirul. 2015. E-banking: Practices and Challenges in Bangladesh, Ph.D thesis, University of Chittagong, Bangladesh, 2015.
[6]	Islam Md. Monirul. 2015. Challenges and Prospects of Internet Banking in Bangladesh: Banker's (Service Providers) Point of View. International Journal of Computer Science And Technology. 6 (2): 355.
[7]	Kaur Jasveen, Kaur Baljit. 2013. Determining Internet Banking Service Quality & Customer Satisfaction in India shows. Tenth AIMS International Conference on Management, 2013.
[8]	Rahman, M. H.; Uddin, N. M. and Siddique, S. A. 2012. Problems and Prospects of E-Banking in Bangladesh. International Journal of Scientific and Research Publications, 2 (7): 1-2.
[9]	Sarker M. N. I., M. S. Islam, MM Rahman, 2015. Effects of electronic banking on performance of banks in Bangladesh. Int. J. Appl. Res., 1 (1): 28-34.
[10]	Uddin Md. Bashir; Ahasanul Haque; Md. Mizanur Rahman; Mohammad Abdullah Al Mamun; Mohammad Morad Hossain, 2016. Electronic banking products and services of private commercial banks in bangladesh: present status and challenges. International Journal of Business and Management Review. 4 (8): 44.
[11]	Zaman F. and P. Chowdhury, 2012. Technology Driven Banking in Bangladesh: Present Status, Future Prospects and Challenges, Bup Journal, 1 (1), September 2012, P: 57-58.

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APA Style

Mahbub Rahman, Nilanjan Kumar Saha, Md. Nazirul Islam Sarker, Arifin Sultana, A. Z. M. Shafiullah Prodhan. (2017). Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. American Journal of Operations Management and Information Systems, 2(2), 42-53. https://doi.org/10.11648/j.ajomis.20170202.13

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ACS Style

Mahbub Rahman; Nilanjan Kumar Saha; Md. Nazirul Islam Sarker; Arifin Sultana; A. Z. M. Shafiullah Prodhan. Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. Am. J. Oper. Manag. Inf. Syst. 2017, 2(2), 42-53. doi: 10.11648/j.ajomis.20170202.13

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AMA Style

Mahbub Rahman, Nilanjan Kumar Saha, Md. Nazirul Islam Sarker, Arifin Sultana, A. Z. M. Shafiullah Prodhan. Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. Am J Oper Manag Inf Syst. 2017;2(2):42-53. doi: 10.11648/j.ajomis.20170202.13

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@article{10.11648/j.ajomis.20170202.13,
  author = {Mahbub Rahman and Nilanjan Kumar Saha and Md. Nazirul Islam Sarker and Arifin Sultana and A. Z. M. Shafiullah Prodhan},
  title = {Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited},
  journal = {American Journal of Operations Management and Information Systems},
  volume = {2},
  number = {2},
  pages = {42-53},
  doi = {10.11648/j.ajomis.20170202.13},
  url = {https://doi.org/10.11648/j.ajomis.20170202.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajomis.20170202.13},
  abstract = {The main objective of this report examines the present status, problems and prospects of E-banking in Bangladesh. This study has been done mainly based on primary and secondary sources of data or information, which included different publications, journals and different books. The primary data is collected from respondents through structured interview schedule. To accomplish this report we have implemented the interviewing approach on Dutch-Bangla Bank Limited. Bangladesh, particularly who avail the electronic banking services. Dutch-Bangla Bank is acting as a pioneer in this sector. Customers who were habituated with e-banking thinks that e-banking services were relatively good than manual system, but they not satisfied with the quality of services and bank personnel behavior to that extent. There were total 11 questions and the sample size of 100 registered e-banking clients of DBBL. Collected data were summarized and analyzed by using SPSS version 22, MINITAB 17 and Microsoft Excel. This paper addressed significant gaps in existing knowledge about the electronic banking and landscape. The results showed that e-banking serves several advantages to Bangladeshi banking sector, however, this study also observed that the customers of DBBL have not enough knowledge regarding e-banking which is rendering by banking sector in Bangladesh. This study will help to know how one bank can improve the level of electronic banking services in Bangladesh and what were the potential issues or services that should be introduced in society to facilitate the customer in a better way and to complete their rivals in banking industry as a whole.},
 year = {2017}
}

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TY - JOUR
T1 - Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited
AU - Mahbub Rahman
AU - Nilanjan Kumar Saha
AU - Md. Nazirul Islam Sarker
AU - Arifin Sultana
AU - A. Z. M. Shafiullah Prodhan
Y1 - 2017/01/24
PY - 2017
N1 - https://doi.org/10.11648/j.ajomis.20170202.13
DO - 10.11648/j.ajomis.20170202.13
T2 - American Journal of Operations Management and Information Systems
JF - American Journal of Operations Management and Information Systems
JO - American Journal of Operations Management and Information Systems
SP - 42
EP - 53
PB - Science Publishing Group
SN - 2578-8310
UR - https://doi.org/10.11648/j.ajomis.20170202.13
AB - The main objective of this report examines the present status, problems and prospects of E-banking in Bangladesh. This study has been done mainly based on primary and secondary sources of data or information, which included different publications, journals and different books. The primary data is collected from respondents through structured interview schedule. To accomplish this report we have implemented the interviewing approach on Dutch-Bangla Bank Limited. Bangladesh, particularly who avail the electronic banking services. Dutch-Bangla Bank is acting as a pioneer in this sector. Customers who were habituated with e-banking thinks that e-banking services were relatively good than manual system, but they not satisfied with the quality of services and bank personnel behavior to that extent. There were total 11 questions and the sample size of 100 registered e-banking clients of DBBL. Collected data were summarized and analyzed by using SPSS version 22, MINITAB 17 and Microsoft Excel. This paper addressed significant gaps in existing knowledge about the electronic banking and landscape. The results showed that e-banking serves several advantages to Bangladeshi banking sector, however, this study also observed that the customers of DBBL have not enough knowledge regarding e-banking which is rendering by banking sector in Bangladesh. This study will help to know how one bank can improve the level of electronic banking services in Bangladesh and what were the potential issues or services that should be introduced in society to facilitate the customer in a better way and to complete their rivals in banking industry as a whole.
VL - 2
IS - 2
ER -

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Author Information

Mahbub Rahman

Department of Statistics, Jahangirnagar University, Dhaka, Bangladesh
Nilanjan Kumar Saha

Department of Finance and Banking, Jahangirnagar University, Dhaka, Bangladesh
Md. Nazirul Islam Sarker

School of Public Administration, Sichuan University, Chengdu, China
Arifin Sultana

Department of Psychology, National University, Gazipur, Bangladesh
A. Z. M. Shafiullah Prodhan

Department of Horticulture, Bangabandhu Sheikh Mujibur Rahman Agricultural University, Gazipur, Bangladesh

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APA Style

Mahbub Rahman, Nilanjan Kumar Saha, Md. Nazirul Islam Sarker, Arifin Sultana, A. Z. M. Shafiullah Prodhan. (2017). Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. American Journal of Operations Management and Information Systems, 2(2), 42-53. https://doi.org/10.11648/j.ajomis.20170202.13

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ACS Style

Mahbub Rahman; Nilanjan Kumar Saha; Md. Nazirul Islam Sarker; Arifin Sultana; A. Z. M. Shafiullah Prodhan. Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. Am. J. Oper. Manag. Inf. Syst. 2017, 2(2), 42-53. doi: 10.11648/j.ajomis.20170202.13

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AMA Style

Mahbub Rahman, Nilanjan Kumar Saha, Md. Nazirul Islam Sarker, Arifin Sultana, A. Z. M. Shafiullah Prodhan. Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited. Am J Oper Manag Inf Syst. 2017;2(2):42-53. doi: 10.11648/j.ajomis.20170202.13

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@article{10.11648/j.ajomis.20170202.13,
  author = {Mahbub Rahman and Nilanjan Kumar Saha and Md. Nazirul Islam Sarker and Arifin Sultana and A. Z. M. Shafiullah Prodhan},
  title = {Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited},
  journal = {American Journal of Operations Management and Information Systems},
  volume = {2},
  number = {2},
  pages = {42-53},
  doi = {10.11648/j.ajomis.20170202.13},
  url = {https://doi.org/10.11648/j.ajomis.20170202.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajomis.20170202.13},
  abstract = {The main objective of this report examines the present status, problems and prospects of E-banking in Bangladesh. This study has been done mainly based on primary and secondary sources of data or information, which included different publications, journals and different books. The primary data is collected from respondents through structured interview schedule. To accomplish this report we have implemented the interviewing approach on Dutch-Bangla Bank Limited. Bangladesh, particularly who avail the electronic banking services. Dutch-Bangla Bank is acting as a pioneer in this sector. Customers who were habituated with e-banking thinks that e-banking services were relatively good than manual system, but they not satisfied with the quality of services and bank personnel behavior to that extent. There were total 11 questions and the sample size of 100 registered e-banking clients of DBBL. Collected data were summarized and analyzed by using SPSS version 22, MINITAB 17 and Microsoft Excel. This paper addressed significant gaps in existing knowledge about the electronic banking and landscape. The results showed that e-banking serves several advantages to Bangladeshi banking sector, however, this study also observed that the customers of DBBL have not enough knowledge regarding e-banking which is rendering by banking sector in Bangladesh. This study will help to know how one bank can improve the level of electronic banking services in Bangladesh and what were the potential issues or services that should be introduced in society to facilitate the customer in a better way and to complete their rivals in banking industry as a whole.},
 year = {2017}
}

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