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Research Article 


THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf.

Abstract
The pupose and goal of this research paper was to assess the impact of branchless banking on commercial
banks' financial results in Pakistan. The research focused on the financial performance of commercial banks
through agency banking and electronic banking platforms. The analysis also explores the mediatory effects on
the relationship between branchless banks and the financial results in Pakistan from financial integration,
and also the moderating influence of government policy. The thesis took a non-experimental style in
exploratory testing. A survey was carried out in Pakistan of all 49 sheduled commercial banks. The annual
reports of the various commercial banks and the Central Bank of Pakistan collected primary and secondary
data and financial performance of banks. As the principal predictor of commercial banks' financial success,
the Return on Assets (ROA) has been derived from SBPs annual reports. As metrics for agencies and
electronic banking, the volume of expenditure in agency and electronic banking was used. Results from this
study also suggest that financial inclusion depends on the strength of the connection between branchless
banking and financial success in Pakistan. Findings suggest that the relationship between the agencies and
electronic banking and financial success is partly moderated by government policies, with an impact
substantial to the level of 5%. The study suggests that commercial banks invest both in agency and in
electronic banking as a multi-channel approach for positive returns, since these networks are mutually
complementary.

Key words: Branchless banking, Electronic banking and Bank performance


 
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How to Cite this Article
Pubmed Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. EEO. 2021; 20(5): 5285-5293. doi:10.17051/ilkonline.2021.05.591


Web Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. http://ilkogretim-online.org//?mno=73573 [Access: April 16, 2021]. doi:10.17051/ilkonline.2021.05.591


AMA (American Medical Association) Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. EEO. 2021; 20(5): 5285-5293. doi:10.17051/ilkonline.2021.05.591



Vancouver/ICMJE Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. EEO. (2021), [cited April 16, 2021]; 20(5): 5285-5293. doi:10.17051/ilkonline.2021.05.591



Harvard Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf (2021) THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. EEO, 20 (5), 5285-5293. doi:10.17051/ilkonline.2021.05.591



Turabian Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. 2021. THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. Elementary Education Online, 20 (5), 5285-5293. doi:10.17051/ilkonline.2021.05.591



Chicago Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. "THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN." Elementary Education Online 20 (2021), 5285-5293. doi:10.17051/ilkonline.2021.05.591



MLA (The Modern Language Association) Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf. "THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN." Elementary Education Online 20.5 (2021), 5285-5293. Print. doi:10.17051/ilkonline.2021.05.591



APA (American Psychological Association) Style

Dr. Yasir Khan, Dr.MuhammadNadeem Iqbal, SehrishHaroon, SadiaZohaib, Sheraz Ashraf (2021) THE IMPACT OF BRANCHLESS BANKING SYSTEM ON THE FINANCIAL PERFORMANCE OF THE COMERCIAL BANKS IN PAKISTAN. Elementary Education Online, 20 (5), 5285-5293. doi:10.17051/ilkonline.2021.05.591








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