https://ijeponline.org/index.php/journal SCOPUS.COM International Economic Society Ltd. en-US International journal of economic perspectives 1307-1602 <p>Allows users to: distribute and copy the article; create extracts, abstracts, and other revised versions, adaptations or derivative works of or from an article (such as a translation); include in a collective work (such as an anthology); and text or data mine the article. These uses are permitted even for commercial purposes, provided the user: gives appropriate credit to the author(s) (with a link to the formal publication through the relevant URL ID); includes a link to the license; indicates if changes were made; and does not represent the author(s) as endorsing the adaptation of the article or modify the article in such a way as to damage the authors' honor or reputation. <strong><a href="https://creativecommons.org/share-your-work/cclicenses/#:~:text=CC%20BY,be%20given%20to%20the%20creator." target="_blank" rel="noopener">CC BY</a> </strong></p> https://ijeponline.org/index.php/journal/article/view/1377 <p>This study investigates whether digital channels and internet banking are associated with the financial performance of deposit money banks (DMBs) in Nigeria. Over the last decade, the rollout of automated teller machines (ATMs), point-of-sale (POS) infrastructure, and web-based banking platforms has reshaped how Nigerian banks deliver services and interact with customers, prompting sustained interest in whether this infrastructure translates into stronger profitability. Drawing on secondary data for the period 2009 to 2024, obtained from the Central Bank of Nigeria (CBN), the Nigeria Inter-Bank Settlement System (NIBSS), and the annual reports of sampled banks, the study applies multiple regression analysis to examine how digital channel deployment and internet banking usage relate to two profitability indicators: return on assets (ROA) and return on equity (ROE). The results show that digital channels and internet banking are each positively and significantly associated with bank profitability. This suggests that expanding digital infrastructure and deepening online banking adoption go hand in hand with stronger profitability, greater operational efficiency, and improved competitive positioning. The study concludes that well-managed digital infrastructure is a meaningful contributor to operational efficiency and recommends that Nigerian banks sustain investment in digital transformation.</p> Nnanyelugo Onyedikachi Eze Robinson Onuora Ugwoke Obioma Vivian Ugwoke David Chidi Ozor Amara Priscilia Ozoji Copyright (c) 2026 Nnanyelugo Onyedikachi Eze, Robinson Onuora Ugwoke, Obioma Vivian Ugwoke, David Chidi Ozor, Amara Priscilia Ozoji https://creativecommons.org/licenses/by/4.0 2026-09-03 2026-09-03 20 9 970 982