The Effectiveness of E-banking Risk Management Practices

The general objective of this study was to examine the effectiveness of E-banking risk management practices employed by Access bank, Ghana. The specific objectives are:

1. To determine the degree of exposure of E-banking risks in Access bank.
2. To determine the effect of E-banking risk exposure in Access bank
3. To identify the control measures put in place in the bank in managing E-banking risk.

The study adopted a quantitative design approach. Quantitative research designs are used when researchers seek to conduct statistical analysis, use lots of subjects, or strive for accuracy and to generalize. This was necessary because the descriptive research design provided the opportunity for thorough interpretation and explanation of the constructs for this study. The study’s population of interest were employees of Access bank, specifically Haatso, Osu and Kaneshie branches. The sampled respondents included general managers, risk managers, IT managers and general employees (Tellers). The total number of employees at the bank was 30. All 30 employees were sampled for the study.  Purposive sampling techniques was used to select the employees of the banks. Questionnaires were used as the data collection instrument. The data collected from the respondents was coded and processed using Statistical Package for Social Sciences (v.16).