UNIVERSITY OF KABRIDAHAR

COLLEGE OF BUSSINES AND ECONOMICS

DEPARTMENT OF ACCOUNTING AND FINANCE

Assessment of Electronic Banking on Profitability of commercial Bank of Ethiopia

in Case Kabri Dahar Branch

Research Proposal Summited to Department of Accounting and Finance Partial Fulfillment for
Requirement of Bachelor of Arts degree in Accounting and Finance

PREPARED BY: GROUP ONE (1) ID

1. MEGERSA KELIFA HASSAN ACFN/817/14
2. ASHER NADIF MOHAMED ACFN/307/14
3. DEREJAW SINSHAW AYELE ACFN/419/14
4. MUHUMED HUSSEIN FILE ACFN/895/14
5. LKITU GETNET TEBEJE ACFN/747/14

ADVISOR: A/KABIR M. (MSc)

JAN,2025

KABRI DAHAR, ETHIOPIA

 ACKNOWLEDGEMENT

First of all we would like to thanks a great full to ALLAH for making survive and for helping us to
reach at this stage of for everything influenced us that we have achieved throughout our life.

we would like to express our deepest gratitude to our advisor A/KABIR M. for his relevant advice
guidance, constructive, suggestion, and offering a follow up advice throughout our work from the
beginning to the completion of this proposal we would also like to Kabri Dahar University College of
business and Economic in general and specially department of Accounting and Finance.

Besides this our special thanks continuous to flow to our family for their whole hearted and indefinite
support in helping us through moral and financial support in helping us through moral and financial
supports.

Finally, we would like to say thanks for all our best friends for their encouragement and supporting in
study period and in different manners throughout our life learning process. And thanks to commercial
bank of Ethiopia, Kabri Dahar branches manager, employees and whole society for their help.

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ACKNOWLEDGEMENT................................................................................................................I
ACRONYMS..................................................................................................................................V
EXECUTIVE SUMMARY...........................................................................................................VI
CHAPTER ONE..............................................................................................................................1
1. INTRODUCTION.......................................................................................................................1
1.1. Background of the study...............................................................................................................1
1.2. Statement of problem....................................................................................................................2
1.3. Research question.........................................................................................................................3
1.4. Objectives (general and specific)..................................................................................................4
1.4.1. General objective...................................................................................................................4
1.4.2. Specific objective...................................................................................................................4
1.5. Significance of the study...............................................................................................................4
1.6. Scope of study...............................................................................................................................4
1.7. Operational working definition.....................................................................................................4
1.8. Organization of the paper..............................................................................................................4
CHAPTER TWO.............................................................................................................................5
2. LITERATURE REVIEW.........................................................................................................5
2.1. Theoretical review.........................................................................................................................5
2.1.1. Meaning of Electronic Banking (Theoretical Perspective)...................................................5
2.1.2. Electronic banking.................................................................................................................5
2.1.3. Factors Influencing E-Banking Adoption..............................................................................6
2.1.3 Electronic banking profitability and efficiency.....................................................................7
2.2. Empirical review...........................................................................................................................7
2.3. conceptual framework.................................................................................................................10
CHAPTER THREE.......................................................................................................................13
3. Research methodology...........................................................................................................13
3.1. Description of the study area......................................................................................................13
3.2. Research design and strategy......................................................................................................13
3.3. Data source and type...................................................................................................................13
II
 3.4. Target population........................................................................................................................13
3.5. Sampling Design, procedure and size determination..................................................................13
3.6. Methods of data collection..........................................................................................................14
3.7. Methods of data analysis.............................................................................................................14
3.8. Time schedule.............................................................................................................................15
3.9. Budget schedule..........................................................................................................................15
Reference.......................................................................................................................................16

III
 List of Table
Table 4. 1 Time schedule...........................................................................................................................15
Table 4. 2 Budget schedule........................................................................................................................15

IV
 ACRONYMS
ATM Automated Teller Machine
E-Bank Electronic Banking
E-Finance Electronic Finance
EFT Electronic Fund Transfer

V
 EXECUTIVE SUMMARY

This research proposal aims at assessing the impacts of e -banking on the profitability of Commercial
bank Ethiopia Kabri Dahar branch, the researchers use different data gathering method and research
technique. For the primary and secondary data, we use interview and questionnaire as data collection
method. The study is adopted a census or data gathered from the entire population. Commercial bank
improves the technology in order to pave the way that it will give an impression to the peoples for
becoming a customer. And the finding indicates e-banking has positive impact on the profitability of the
bank. Finally, logical conclusion are reported driving inferences that indicate there is short coming to
use e-banking such as, lack of customer’s awareness toward the technology and low level of access in
the country even though, it increases the profitability of the bank.

Key Words: Electronic banking, profitability, Commercial Bank of Ethiopia, technology adoption,
customer awareness

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 CHAPTER ONE
1. INTRODUCTION
1.1. Background of the study

E banking is defined as the provision of retail and small value banking products and services through
electronic channel. It implies a service that allows customers to use some form of computer to access
account banking includes varies banking activities conducted from sites other than a physical bank
location. For instance, all over the world customer relay on ATMs to withdraw money from their
demand deposit accounts at any hour. (Mescon, 2002).

Banks are focusing on their electronic banking activities and are globally expanding E-banking activities
exploring the use of wireless networks and venturing in to some new areas of electronic commerce.
Banks offer e-banking services to expand market share or as a cost saving strategy to reduce paper work
and personnel (WWW.ehow.com).

E banking started in the early 1980 both in USA and in UK. It really took off with the arrival of the
World Wide Web. The evolution of e-banking started with the use on automatic teller machines (ATMs)
and has online banking. ATM represent a significant change in the banking industry because they offer a
method of delivering bank services to customers without the need for contact between customers and
staff. ( Handerson.2013).

In Africa Nigeria did not embrace electronic banking early compared to developed countries of the
world in the year 2000. Society General Bank of Nigeria (SGBM) now called Heritage Bank plc
introduced online, real time banking within its 5 branches in lagos metropolis. However many of the
Nigeria bank adopted electronic banking system in the early 2005.Today the ATM mobile web and pos
are major e-payment channel currently in use in Nigeria.

In the recent year electronic banking has been viewed as driving force that is changing the land scope of
the banking industry fundamentally in particularly towards more competitive industry E- banking has
blurred the boundaries between different financial products and services and made existing financial
service available different package(Agbala,2008).

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The 21st century has witnessed a dramatic revolution in the financial service industry because of rapid
advancement technological transformation has become known as e-developments. These changes have
brokering, e-insurance, e-change and e- supervision. The information technology is turning in to the
most important factor in the future development of banking influencing bank's marketing and business
strategies. Because of rapid advancement in IT and intensive competition in the banking sector the
adoption of e- banking is being increasing used a channel of distributor financial service (Mahdi and
Mehrdad, 2010 cited in fonchamnyo 2013).

The Commercial bank has provided the e-banking services for their users. Some of the electronic
technologies that has provided by the bank are automated teller machines technology, internet banking,
point of sale, and mobile banking. Therefore, commercial bank of Ethiopia Kabri Dahar branch
organization is also required to give adequate attention to e banking service to enhance its profitability.

1.2. Statement of problem

The internet and different things it can do to uplift business procedures, products and services is a
current necessity for business. One of internet’s products is E-banking. It is a faster way for clients to
transact without the banks personnel. E-banking services expand market share or a cost saving strategy
to reduce paper work and personnel. Ethiopia is lagging behind in the adoption of e-commerce. The
internet infrastructure is only in its major cities; due to lack of internet facility. Lack of sufficient
internet facility and unsatisfactory level of attitude on the use of e-banking activity makes insufficient
(http; ivy thesis, typepad.com).
Even if an internet facility and low level of attitude towards on the use of e-banking is insufficient,
Ethiopian banks including Kabri Dahar branch commercial bank started the e-banking service. So, this
proposal assesses its effect on the profitability of the aforementioned branch.
The factors that initiate the researchers are the researches that are done in previous period by this title in
other financial institutions. Now the researchers try to fill the knowledge gap between the commercial
bank of Ethiopia Kabri Dahar branch and other financial institutions by changing the research method
and source that used by other researchers.

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Most previous studies on electronic banking have focused on well-developed regions or urban areas
where internet infrastructure and banking services are more advanced. However, there is a lack of
research on how e-banking operates in remote and underserved areas like Kabri Dahar, where
infrastructure challenges, low financial literacy, and customer awareness significantly influence the
adoption of e-banking services. Previous research may have relied on smaller sample sizes or different
data collection methods, such as interviews or secondary data. our study aims to provide more
comprehensive and reliable data by using both primary (questionnaires and interviews) and secondary
data sources, along with a census survey method targeting all employees of the Commercial Bank of
Ethiopia Kabri Dahar branch.

While prior research has generally examined the broad impacts of e-banking on profitability, our study
focuses on specific localized challenges such as: Customer awareness and perception of e-banking.
Infrastructure availability, which directly affects service accessibility. Cost-benefit analysis specific to a
branch in a rural context, unlike studies that focused on urban branches or national-level profitability.

Previous studies conducted in developed areas or countries might have shown faster adoption of e-
banking services due to technological readiness. In contrast, our study addresses the slow adoption rate
in Ethiopia and aims to understand how it influences profitability over time. Unlike past research, which
may not have thoroughly considered external factors, our study incorporates regulatory frameworks and
technological advancements as intervening variables that can influence both e-banking adoption and
profitability.

1.3. Research question

The research will answer the following questions.

 How electronic banking supports the attainment of business goal in commercial bank?
 How the bank balances the cost spent for using e banking and its profitability?
 What activities are done by Commercial bank to change attitude of the customer?
 How do automated teller machine (ATM) transaction on profitability of commercial Bank of
Ethiopia kabri Dahar branches?

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1.4. Objectives (general and specific)
1.4.1. General objective
The General objective of the study is assessing the impact of e-banking technology on profitability of
Commercial bank of Ethiopia, Kabri Dahar branch.

1.4.2. Specific objective

The study aimed to achieve the following specific Objectives

 Assess how e- banking supports the attainment of business goal in Commercial bank.
 To assess how the bank balances the cost spent for using e-banking and its profitability.
 To determine the activities those are done by Commercial bank to change attitude of customer.
 To determine the impact of automated machine teller (ATM) transaction on profitability of
commercial Bank of Ethiopian in Kabri Dahar branch.
1.5. Significance of the study

The study will help Commercial bank to explore its weakness and strength. Study will play an important
role to the company to find out the information requirements for the various aspects of resources
allocation and control. The study will enable the company to get understanding how electronic fund
transfer (EFT)provide competitive advantage and how e-banking company effectiveness profitability.
1.6. Scope of study

The study will be limited in Commercial Bank of Ethiopian Kabri Dahar branch. It doesn't include other
e-banking service provider in the country as whole and Kabri Dahar branch in particular.
1.7. Operational working definition
As it is nearby and easy to collect data as it is required in order to attain the research objective.
Furthermore, its transportation cost is less and it is suitable area for the research regarding to limitation
of time and finance.
1.8. Organization of the paper
The study will be organized into five chapters with different characteristics. The first chapter deals with
the introduction part that includes background of the study, statement of the problem, objective of the
study, significance of the study, scope of the study, limitation of the study and organization of paper.

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The second chapter deals with review of related literature which includes theoretical literature, empirical
literature and summary of literature. The third chapter deals with research methodology which includes
research design, source of data, type of data, and method of data analysis and presentation. The fourth
chapter is data analysis, interpretation and discussion and chapter five deals with conclusion and
recommendation.
CHAPTER TWO
2. LITERATURE REVIEW
2.1. Theoretical review
2.1.1. Meaning of Electronic Banking (Theoretical Perspective)

The adoption of electronic banking services can be explained by the Technology Acceptance Model
(TAM) developed by Davis (2013). According to TAM, users’ acceptance of technology depends on
two critical factors: Perceived Usefulness (PU) and Perceived Ease of Use (PEOU).

Perceived Usefulness (PU): The degree to which a customer believes that e-banking will enhance their
banking activities. Perceived Ease of Use (PEOU): The extent to which using e-banking services is free
from effort. Thus, TAM helps in understanding customer behavior towards adopting e-banking services
in Kabri Dahar.

2.1.2. Electronic banking

Electronic banking is the modern topic in the era of science and technology. Though electronic banking
started in 80’s but the revolution has taken place in 20th century. Since then electronic banking concept is
flourished with populous model, theory and practical concept. So, before going to discuss any core
content of electronic banking, it is good to memorize the fundamental concept of electronic banking
which helps to realize basic concepts of electronic banking.
Electronic banking is umbrella term for the process by which a customer may perform banking
transaction electronically without visiting a brick-and-mortar institution. Therefore transaction related to
bank activities via Electronic mean and medium is called electronic banking (Handerson, 2013).

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2.1.3. Factors Influencing E-Banking Adoption

The Diffusion of Innovation (DOI) Theory by Rogers (2013) identifies five categories of adopters
innovators, early adopters, early majority, late majority, and laggards—who adopt new technologies at
different rates based on several factors:

 Relative Advantage: How much better the new service is compared to existing methods.
 Complexity: How easy or difficult the technology is to understand and use.
 Compatibility: How well the technology fits with users’ needs and existing practices.
 Trialability: The ability to test the technology before fully adopting it.
 Observability: The extent to which the results of using the technology are visible to others.

In the context of this study, these factors influence how quickly customers in Kabri Dahar adopt e-
banking services, which in turn impacts the profitability of the bank.

The effects of e-banking adoption on profitability can be understood using several theories:

 Resource-Based View (RBV) Theory

RBV emphasizes that organizations gain a competitive advantage by leveraging unique internal
resources. In the case of Commercial Bank of Ethiopia, the implementation of e-banking systems serves
as a strategic resource, allowing the bank to reduce operational costs, improve customer experience, and
increase market share.
 Transaction Cost Theory
This theory highlights that e-banking reduces transaction costs by allowing customers to complete
financial transactions without physically visiting bank branches. Lower transaction costs lead to
increased efficiency and profitability for the bank.
 Agency Theory
Agency theory addresses potential conflicts between the bank’s management and its shareholders. By
increasing operational transparency and enabling more accurate reporting through electronic systems, e-
banking minimizes agency problems, thereby improving overall bank performance.

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 2.1.3 Electronic banking profitability and efficiency

Commercial banking assaulted by the pressure of globalization competition from non banking new ways
to add value to services. The question "what drives performance?" is at top in understanding superior
performance and hence striving for it. substantial research effort have gone into addressing this question
starting from the strategic level going down to operation detail bank and( Vander Velde 2013) . This
study based on the opinion of head of retails banks at all us commercial Bank established in linkage
between marketing operation, organizing excellence. This finding led to the formulation of the service
management strategy encapsulated in the trail operational capabilities service quality performance (C-
SQ-P). (Foth and Jackson 2013 ). The C-SQ-P trail is in turn focused the view of the service profit chain
described by (Hesketta all 2013) based on their analysis of successful service organization.
2.2. Empirical review
As earlier mentioned e-banking system is said to have increased the performance of banking industry.
Several researchershave been carried out to find the extent to which e-banking has impacted on banks
using both qualitative and quantitative data through there still lie divergent view.
Millind (2005) reported that the transaction with Internet banking does not have significant impact on
performance and risk profile and thus concluded that internet banking has not proved to be a
performance enhancing tool in major credit union in Australia.

Abaele we at al( 2013) analysed the effect of e-banking on bank performance in Nigeria. They found
that e-banking has positively and significantly impacted on return and equity. While e-banking did not
impact significantly on return on assets.Similary Ibukune and Jame(2012) claimed that e-banking has
led to increased customer satisfaction improved operational efficiency, reduced transaction time better
competitive edge, reducing running cost and us here in swift response in service delivery.

In the research, SanaMohammed,Hassan and Monica(2011) investigated the impact of e-banking on the
profitability of Pakistan banks. Their finding reveal that e-banking has increased the profitability of bank
hence enabling them to meet their cost and earn profit in short span of time. Also the illiteracy of
customer is not regarded as major impediment improvising of their product further more.

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Olorunsegum(2010) found that has an effective e-banking system which has improved it's customer
satisfaction, by critical appraisal of e-banking in unity bank.

Elisha (2010) studied the prospects of e-banking in developing economy. The Study showed that e-
banking serves several advantage to Nigeria banking sector provide convenience and flexible
advantage . It also transaction related benefit like easy transfer speedy transaction less cost and, time
saving
Commission(2011) investigated internet banking and performance of micro and small enterprise in
Costa Rica. The result shows that internet uses is limited in MSE daily operations because of limited
access to computer and relatively low penetration of internet service.
Agboola (2001) studied the impact of computer automation on banking services in Logas using 6 banks
and concluded that electronic banking tremendously improved the service of the banks to their
customers.
Lustsik(2004) explorers the implementation of technique of Activity-Based-Costing (ABC) in the
banking sector on the example of Estonia bank in order to analyses the cost structure for traditional and
electronic channel transactions. The methodology and empirical parts of the study were based on Hans
banks analysis and statistical report as well as on Hans banks internal document that stipulate rule for
cost allocation and limit cost calculation. The finding of the study revealed that banks additional profit
on the transaction effected via electronic channel banking service have high profitability for banks as the
absolute unit cost number are lower then those of fees collected from clients.

Siam(2006) examined the effect of e-banking on banks profitability in Jordan. The population of the
study included all working banks in Jordan which have size on the Internet for the period of 2011-
2017.The result from that data analysis that were gathered from the study instrument(question arises)
showed that there is correlation with statistical significance between electronic banking and banks
profitability showing negative effect in profitability of in short run and positive effect on Long run .Thus
manager banks employees in the area prefer their bank to expand employees in the area prefer their bank
to expand their electronic operation in servicing customer but not converting all bank to total electronic
banks.

8
Hernando and Nieto to (2007) attempted to fill this gap by identifying and estimating the impact of the
adoption of transactional web site on financial performance using a sample of 105 deposit money banks
in Spanish over the period 2011-2018. The analysis of the sample size is based on several financial
performance ratios. These financial ratio measure business activities as percentage of average total
assets and profitability. The result showed that the impact of transactional web adoption on bank
performance take to appear. The adoption of the Internet as delivery channel involve gradual reduction
in overhead expenses. This effect statically significant after one or half year after adoption the cost
reduction translate into an improvement in banks profitability which became significant after one and
half years in terms of Return On Assets(ROS) and after three years in terms of return on equity(ROS).
Onayozsos and Ash (2008) investigated the impact of Internet banking on banks profitability. Their
analysis covered thirteen(13) bank that have adopted online banking in Turkey between 1996 and
2005.Using the approach of Hernardo and Nieto (2007) and using specific and macro economic control
variable; the investigated the impact of Internet banking start contributing to banks return on
equity(ROS) with a time lag of two years confirming the finding of Hernardo and Nieto while negative
impact is also observed for one and half years of its adoption.
Madueme(2010) studied the impact of ICT on banking efficiency in Nigeria employing a survey of 13
Banks. Based on banking CAMEL rating and transcendental logarithmic function of the banks, it will be
revealed that the efficiency value obtained through CAMEL rating system where higher during past
adoption era than before adoption and estimated that 1% increase in ICT capital on average leads to
0.9185 Naira increase in bank output post ICT adoption era.

Maiyaki and Mokhtor(2010) employing survey of 407: banks customer in 33 organization in Kano state
of Nigeria studied the effects of availability of e-banking facilities such as ATM, online banking and
Telephone banking do not have significant influence on customers banks choice decision.
Carvalcio and Siegel (2011) investigated the return on investment for online banking services and
analysis of financial account aggregation. The return on investment of the account aggregation
technology will be evaluated using the calculation of earnings before interest and taxes (EBIT) and the
net present value (NPV) for a period of five years. The sample cover three basic bank site. According to
the numbers of its online account medium banks those with 2-8 to 6-0 million online account and Large
banks those with 8.8 to 16 million online account. The study concluded that account aggregation is

9
compelling technology that should become a commodity in the bank provide it and it will represent no
more differentiated competitive advantage.

2.3. conceptual framework

Electronic can be described using the internet as delivery mode for the Provision of services like
opening a deposit account, electronic bill payment, on line transfer, online withdrawals and in fact any
other online banking transaction. Allen metal(2013) gave the definition of electronic finance(e-finance)
as Provision of financial services market using electronic communications and computation. Electronic
banking has also been defined by Loford and Limit(2013) as the medium of using electronic devices like
internet Wirelesses Connection Net work, ATM, Phone and Cell phone in banking services. These
services are a part of providing currency for the economic system of the country Electronic banking
services grouped into four major classes namely.

A. Telephone banking: model can be considered as a form of distance or virtual banking which is
basically the delivery of branch financial service via tele communications device where banks clients
can perform retail banking transaction by calling phone or mobile communication unit which is linked to
an automated system bank by utilizing Automated Voice Response (ARS) technology.
Balachanderet at (2001) it allows clients to phone their financial institution to check account balance,
pay certain bill, transfer fund between account and change Pia's.

B. Internet banking(on line or web banking): this form electronic banking model involves conducting
banking transaction such as account enquiry, printing account statement, fund transfer payment for good
and services, etc. On the Internet (world wide web) using electronic tools such as the computer without
visiting the banking hall.

E-commerce is greatly facilitated by internet banking and mostly used to effect the payment. Internet
banking also use electronic card infrastructure executing payment instruction and for final settlement
for good and services over internet between the merchant and customer. Currently the most common
Internet payment are for customers bill and purchase of air tickets through website of merchant(Littler
2004).

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C. Mobile banking (m- banking): this form of electronic banking involve the use of mobile phone for
settlement of financial transaction. it support person to person transfer with immediate availability of
fund for the beneficiary. Mobile payment use the card infrastructure for execution of payment
instruction as well as secure short message messaging for confirmation of receipt beneficiary as mean.
Mobile banks for low value transaction where speed of completing transaction is key. The service
overed under this product include account enquiry, fund transfer phone recharge change of password
and bill payment which re offered by few institution (Sathey 2013).

D. Electronic card: This form of electronic banking is physical plastic card uniquely identifies the
holder and can be used for financial transaction on internet for instance Automated teller machine(ATM)
and point - of-sale (POS) terminal are used to authorized payment to the merchant or
seller(James,2009) .The various types of electronic card include debit card, credit card releasable and
which require visiting the bank for replenishment( 2009).

Figure 1:Conceptual frame work showing the relationship between the dependent variable and
independent variable.

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 CHAPTER THREE
3. Research methodology
3.1. Description of the study area

The study will be conducted in Kabri Dahar Zone Somali region which found on 1014 km from the
capital city Of Ethiopia Addis Ababa. The study will be conducted on assessment of electronic banking
on profitability of commercial bank of Ethiopia Kabri Dahar branch.

3.2. Research design and strategy

The research design (method) selected for the study is descriptive in nature, because it describes and
explain the data for the purpose of describing nature of existing condition of assessment of electronic
banking on profitability of commercial Bank of Ethiopia Kabri Dahar branch.

3.3. Data source and type

The study will be used both primary and secondary source of data. Primary data will be obtain from
respondent by distributing structured questionnaire. While secondary source of data are will be gathered
from different written document material, books and internet the close ended and open ended
questionnaires, will use.

3.4. Target population

The population of the study will be the assessment of electronic banking on profitability of commercial
bank of Ethiopia Kabri Dahar branch’s that found at different level of position, this due to the fact that
the raised issued will be concerned with population emphasized is an organization contain 22
employees.
3.5. Sampling Design, procedure and size determination

The population of the study include 22 employees of the commercial bank of Ethiopia Kabri Dahar
branch as the population size is small, the researchers will use census survey, because all the population
are accessible to collect the appropriate data.

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3.6. Methods of data collection
The researchers will employs both primary and secondary data to achieve the objective of the study.
Primary data is will be collected through questionnaire which to get new information from the
respondent. The questionnaire that distribute for employees are interview questionnaires. This interview
give greater flexibility and opportunity to get information in-depth and broader manner. Secondary data
will be collected such form published books, company's electronic form and internet will be review as
reference.
To achieve the research objectives, both primary and secondary data will be collected using appropriate
data collection instruments.

Primary Data: Primary data will be collected directly from respondents using the following
instruments:
 Structured Questionnaire: A well-designed questionnaire with both open-ended and close-ended
questions will be distributed to the bank employees to gather quantitative and qualitative
information.
 Interviews: Semi-structured interviews will be conducted with key informants, such as the branch
manager and senior staff, to obtain in-depth insights into the impact of e-banking on profitability.
Secondary Data: Secondary data will be gathered from various sources, including:
 Bank reports and financial statements.
 Published research papers.
 Books and online resources on electronic banking and profitability.
3.7. Methods of data analysis

Once the data will be collected, it will be processed by basic data processing methods such as editing,
coding and classifying to make suitable for further analysis. Descriptive analysis technique of data
analyzing technique will be used because it describes data in both tabulation, graph, purchaser and
percentage. Tabulation refer to order or arrangement of data in the table after all relevant data process
and analyze the result are presented by conclusion will be make.

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3.8. Time schedule

The study will be completed as described in the following table.

Table 4. 1 Time schedule

s.n Activity Duration in month
Oct Nov Dec Jan
1 Preparing the proposal • •
2 Searching for article for the literature •
3 Completion of the first draft of the paper •
4 Accepting comment and improving •
5 Developing questionaries’ •
6 Accepting the comment for my questionnaires •
and improving accordingly
7 Distributing •
8 Questionaries’ • •
9 Collecting the data •
10 Submission of draft •
11 Submission of final report • •
12 Presentation of the final report •
3.9. Budget schedule

Table 4. 2 Budget schedule

S.N Item Unit of measurement Unit cost quantity Total cost
in birr
1 stationary Pices/pac 15 100 1500 birr
2 Internet Per minuets 0.5 5 hour 150 birr
3 Secretarial 500 birr
4 Binding 35 birr
5 Laminating 80 birr
6 Fee of data collectors 310 birr
total 2,575

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electronic and finance,vol 5(1&2).
 Carvalcio,T and Siegel,M (2011) return on investment analysis of financial account aggregation
MIT Sloan school of management working paper 4384 -02 August.
 Hernando,I, and Nieto ,M,j.(2007) is the internet delivery channel changing banks performance:
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