THE IMPACT OF ELECTRONIC BANKING ON NIGERIAN BANKING SYSTEM (CRITICAL APPRAISAL OF UNITY BANK PLC)

ABSTRACT

Electronic banking system has become an important practice among commercial banks in Nigeria. The introduction of this electronic banking has improve banking efficiency in rendering services to customer, It was in line with this that the study aimed examining the impact of electronic banking system in Nigeria. the population of the study used for this research work was 50 Through the random sampling technique, data were was collected by means of questionnaires from 40 Unity Bank officers selected as sample size, the data collected was analyzed using simple percentage, frequency table and Chi- square. The result shows that Unity Bank electronic banking guidelines are in line with the CBN electronic banking guideline. The bank has an effective electronic banking system which has Improve its customer's relationship and satisfaction. To this end, It is recommended that the bank information technology training programme should be encourage among the staff of Unity Bank, necessary legal codes banking should be established in order to enhanced growth of the industry.

 


TABLE OF CONTENTS

Page

Title Page

Certification

Dedication

Acknowledgement

Abstract

Table of Contents

CHAPTER ONE: INTRODUCTION

1.1    Background to the Study

1.2    Statement of the Problems

1 .3     Research Questions

1.4    Objectives of the Study

1.5    Research Hypotheses

1.6    Significance of the Study

1.7    Research methodology

1.8    Area of the Study

1.9    Scope of the study

1.10 Analysis of Data

1.11 Limitation of the Study

1.12 Outline of chapters

 

CHAPTER TWO: LITERATURE REVIEW

2.1    Introduction

2.2    Views on Electronic Banking

2.3    Electronic Banking and the common Banking Products

2.3.1 Telephone and pc banking products

2.3.2  The card system

2.3.3  The automated teller machine (ATM)

2.4.   The entry of Nigerian banks into electronic Banking

2.5.1 Threats of cyber-crimes on the Nigerian Banking premises

2.5.2 The regulatory challenges

2.5.3 Electronic banking profitability and efficiency

2.5.4 Bank Customer Relationship

2.6    Operation of Financial Institution

2.7    Theoretical framework

CHAPTER THREE :    RESEARCH METHODOLOGY

3.1    Introduction

3.2    Population of Study

3.3    Sampling Techniques

3.4    Sample Size

3.5    Sources of Data

3.6    Method of Data Analysis

3.6.1 Test of Hypotheses and Interpretation

3.6.2 Decision rule and Justification

 

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1.    Introduction

4.2.   Presentation and Analysis of Data

4.3     Test of Hypothesis

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION

5.1    Summary

5.2    Conclusion

5.3    Recommendation

Bibliography

Appendix: Questionnaire

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