A Dissertation Submitted in Partial Fulfillment of the Requirements for
theDegree of Master of Business Administration in Corporate Management
(MBA-CM) of Mzumbe University.
The study was set to explore the influence of digital banking on the performance of
commercial banks in Tanzania. The researcher used structured questionnaires and
interview data collection methods.. Data were collected and analyzed by descriptive
analysis and correlation analysis technique while considering 80 respondents as a
sample size. The study findings revealed that the direct relationship among the
identified variables were positive correlated in representing the relationship between
digital banking and efficiency of the CRDB bank. This implied that there is a strong
relationship between digital banking and efficiency of the CRDB bank. The study
also revealed that the direct relationship among the identified variables (sales growth,
increase revenue, market penetration and customer satisfaction are positive
correlated) in representing the relationship between digital banking and sales
performance of the CRDB bank. These results implied that there is a strong
relationship between digital banking and sales performance of the CRDB bank. The
study findings further revealed that there is a strong relationship between digital
banking and profitability of the CRDB bank. The researcher suggests that despite of
the fact that CRDB bank measures its profitability based on return on asset and return
on equity, it should consider the consistent of the factors such as market share,
overhead ratio, deposits/assets, and loan/assets to determine its profitability.