Analysing Bangladeshi Consumers’ Satisfaction and Preferences of E-banking Services in Small to Mid-sized Enterprises (SMEs)

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Shakir Karim
Ergun Gide
Raj Sandu
Abdallah Al Tawara




The acceptance of Internet technologies has newly increased constant and rapidly in the era of information technology. It gives flexibilities to access E-banking systems on demand. Today E-banking is considered as the driver of any nation’s economy and it opens remarkable prospects all over the world. Basically, E-banking plays an ultimate character in supporting financial advancement of any country and provide financial services to the customers electronically. This Research analyses the satisfaction and preferences of E-banking in Bangladesh. It also discusses the success of E-banking in Small to Midsized Enterprise-SMEs of Bangladesh, the current E-banking infrastructure and future organisational plan about it. This Research mainly has used secondary research data and methods to provide a broad scenario of E-banking in Bangladesh, how to overcome the barriers in SMEs of Bangladesh for E-banking adoption. The Research is subject to academic journal articles, project reports, media articles, corporation based documents, Bangladesh Bank publication and other appropriate information. This Research also analyses the data collected from Bangladeshi government and non-government organisations and banking sector. It gathers answers from E-banking experts, IT educators, learners and academics as the respondents’ through interview on the basis of questionnaires which were prepared for this research purpose. Data were also collected by using interviews from Bangladesh E-banking based organizations that are offering their goods and services on electronic channels and professionals involved with E-banking related activities. The study found that E-banking is a platform where a customer performs online banking transaction without visiting a financial institution. E-banking is the influences of the future and it provides massive benefits to consumers regards to online transactions through internet, telephone and other electronic delivery channels. Bank in Bangladesh could use E-banking in order to gain economical advantage. At present, several Private Commercial Banks (PCBs) and Foreign Commercial Banks (FCBs) in Bangladesh offer online services and facilities within the branches of individual bank in the community. It is expected that banking can earn profit and offer better services to its customers by introducing E-banking facility more and more in Bangladesh. As an under developing country, Bangladesh is not fully known about E-banking sector in every area. As a result, this research also highlights the issues and factors related with E-banking e.g. cybercrime and try to discover the probable obstacles and prospects in Bangladesh to make an active solution of Bangladesh’s E-banking.


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Karim, S., Gide, E., Sandu, R., & Tawara, A. (2018). Analysing Bangladeshi Consumers’ Satisfaction and Preferences of E-banking Services in Small to Mid-sized Enterprises (SMEs). Global Journal of Information Technology: Emerging Technologies, 8(2), 62-74.