| dc.description.abstract | This study was carried out to obtain the effect of Digital migration on the financial
performance of commercial banks in Uganda a case study of Stanbic bank Masaka Branch
which is found in Masaka District, Masaka Municipality.
The researcher’s major focus was on investigating the effect of digital migration on financial
performance of commercial banks in Uganda. This was based on the research objectives and
questions.
The study was guided by the diffusion of innovation and the Transaction Cost Innovation
theories. Descriptive case study research design was used. The design chosen also helped to
clearly bring out the relationship between the independent variables (Digital Migration
solutions) and the dependent variables financial performance).
The study population of the study area was forty (40) employees but the sample size selected
wasthirty-five(35). This was sampled using krejciemorgan (1970) table. The data was
collected using questionnaires and interviews.
Data was analysed using SPSS, correlation and regression methods. The findings of the
research basing on the questionnaires issued and interviews held showed that digital
migration solutions have a positive effect on financial performance of commercial banks in
Uganda.
The findings showed that customers of the Stanbic bank Masaka branch preferred using
digital migration solutions that is ATMs, Mobile banking and Online banking because of the
convenience they offer, low transaction costs, they are quicker and efficient. The bank
appreciated the digital solutions because operational costs reduced considerably, better
customer service, increased ROA, ROE and ROD. The regression method showed a
significant relationship between the independent and dependent variables. It was also
concluded thatan improvement in the digital migration generally leads to improved financial
performance of commercial banks in Uganda.
The recommendation to commercial banks is to create more awareness to the customers
about the digital solutions and to give constant training to the employees in case of any
system upgrades | en_US |
