https://www.journalsajsse.com/index.php/SAJSSE <p style="text-align: justify;"><strong>South Asian Journal of Social Studies and Economics</strong>&nbsp;<strong>(ISSN: 2581-821X)</strong> aims to publish high-quality papers (<a href="/index.php/SAJSSE/general-guideline-for-authors">Click here for Types of paper</a>) in all areas of ‘Economics and Social Studies’. By not excluding papers based on novelty, this journal facilitates the research and wishes to publish papers as long as they are technically correct and scientifically motivated. The journal also encourages the submission of useful reports of negative results. This is a quality controlled, OPEN peer-reviewed, open-access INTERNATIONAL journal.</p> South Asian Journal of Social Studies and Economics en-US South Asian Journal of Social Studies and Economics 2581-821X https://www.journalsajsse.com/index.php/SAJSSE/article/view/1341 <p>This study assessed the effect of electronic banking on economic growth in Nigeria using an Autoregressive Distributed Lag (ARDL) time-series framework. Specifically, it examined how transactions through automated teller machines (ATMs), mobile banking, internet banking and point-of-sale (POS) terminals relate to real gross domestic product (RGDP). The study adopted an ex-post facto research design and used annual secondary data for 2006-2023, obtained from the Central Bank of Nigeria Statistical Bulletin. The ARDL bounds test indicated no long-run relationship between electronic banking channels and economic growth, as the F-statistic of 2.144076 was below both the lower and upper critical bounds at the 5% level. The short-run estimates showed that ATM and mobile banking transactions had negative but statistically insignificant relationships with RGDP, while internet banking and POS terminal transactions had positive but statistically insignificant relationships. The Granger causality results further showed no unidirectional or bidirectional causality between each electronic banking channel and RGDP over the study period. These findings suggest that, within the period examined, the expansion of electronic banking transactions did not translate into a statistically significant contribution to Nigeria's economic growth. The study therefore concludes that electronic banking, although useful for transaction convenience and service delivery, has not yet provided a measurable macroeconomic growth effect in the Nigerian context examined. It recommends improved public awareness of ATM use, fuller deployment of cashless instruments by deposit money banks, stronger monitoring of web and mobile payment channels by the Central Bank of Nigeria and commercial banks, and wider promotion of POS payment systems to support safer and more efficient transactions.</p> Amalachukwu Chijindu Ananwude Edith Nkiruka Mazeli Ogochukwu Florence Ngaikedi Copyright (c) 2026 Author(s). The licensee is the journal publisher. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/4.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 2026-06-23 2026-06-23 23 7 1 17 10.9734/sajsse/2026/v23i71341