EFFECT OF DIGITAL BANKING ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN QUETTA

Abstract

Digital banking has become the norm due to technological advancements, and most commercial banks are incorporating e-banking into their business strategies. The study's goal is to determine how digital banking affects the profitability of Quetta City's commercial banks. The quantitative study focuses on five banks from 2018 to 2024, with profit margin as the dependent variable and ATM count, POS installations, debit card count, and monthly income and expense (MIE) transaction value as independent variables. The study's findings demonstrated a substantial correlation between the number of ATMs, POS installations, and MIE value and the bank's profitability. Several debit cards have been found to have no appreciable effect on profitability.