THE IMPACT OF ELECTRONIC BANKING ON THE PERFORMANCE OF BANKING IN NIGERIA (A Case Study of Eco Bank Plc)

ABSTRACT

This research project examined the impact of Electronic banking on the performance of banking in Nigeria with special reference to Eco Bank Plc. The research discussed existing literatures on electronic banking and the history of electronic banking in Nigeria. It also identified the various electronic banking systems and further evaluate the threats associated with electronic banking in Nigeria

Three hypotheses were formulated and tested for the purpose of this research. A well structured questionnaire was designed and administered to staff of Eco bank Plc as a means of gathering data. A sample of forty (40) was drawn from the population. Simple random sampling technique was adoptedfor selection of the respondents.

The data gathered was presented on table using percentage. The formulated hypotheses were analysed with the use of Chi-Square. The analyses of the research resulted into rejecting the three null hypotheses and accepting all alternate hypotheses. Decision drawn by the analyses were that; Electronic banking has significant impact on the performance of Eco bank Plc. Also the adoption of Electronic banking enhance the fortune of Eco Bank Plc, and finally, that there is significant relationship between operational efficiency of bank and electronic banking.

 

 

 

TABLE OF CONTENT

 

CHAPTER ONE

INTRODUCTION

1.1            Background of the Study

1.2            Statement of the Study

1.3            Objective of the Study     

1.4            Statement of Research Questions

1.5            Research Hypothesis

1.6            Research Methodology                           

1.7            Scope and Limitations of the Study                 

1.7      Significance of the Study             

1.8      Brief Literature Review                                        

1.9      Definition of Terms                                   

            Reference                

 

CHAPTER TWO

LITERATURE REVIEW

2.1      Introduction                       

2.2      The View on Electronic Banking            

2.3      Electronic Banking and the Common Banking Product

2.3.1  Telephone and PC Banking Products

2.3.2  The Card System   

2.3.3  The Automated Teller Machine (ATM)

2.3.4  Cheque

2.4      The Entry of Nigerian Banks into Electronic Banking

2.5.1  Threats of Cyber-Creams 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                  

            Reference                                        

 

 

 

CHAPTER THREE

RESEARCH METHODOLOGY

3.1      Introduction                                                           

3.2      Research Methodology                                                   

3.3      Sample Size                                                                         

3.4      Sampling Techniques                   

3.5      Restatement of Hypothesis                    

3.6      Method of Data Collection                                 

3.7      Method of Data Analysis             

 

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS 

4.1      Introduction                       

4.2      Presentation and Analysis of Data

4.2.1  Qualification of Respondent      

4.2.2  Working Experience         

4.2.3  Cadre of Respondents                 

4.2.4  Professional Qualification           

4.2.5  Department of Respondents      

4.2.6  Threat to Electronic Bank           

4.2.7  Threat Assessment                                               

4.2.8  Respondent Assessment of Eco Bank’s Electronic

Banking  System                                        

4.2.9  Information Technology Training Program    

4.2.10 Level of Electronic Banking                    

4.2.11 Improvement of Customer Satisfaction         

4.3      Test of Hypotheses                                   

4.3.1  Hypothesis One                             

4.3.2  Hypothesis Two                 

4.3.3  Hypothesis Three                          

 

 

 

 

CHAPTER FIVE

SUMMARY, CONCLUSIONS AND RECOMMENDATIONS

5.1      Summary                 

5.2      Conclusion                          

5.3      Recommendations            

            Reference                

            Appendix     

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