THE EFFECT OF ELECTRONIC BANKING IN NIGERIA ECONOMY

Internet technology holds the potential to fundamentally change banks and the banking sector. The introduction of electronic banking in the banking industry has lead to more development and improvement in the Nigeria banking sector.

There has been a substantial improvement in the level of services rendered to customers; banks can easily offer innovative products and access new customers conveniently which inturned has boost customers confidence increasingly in the banking sector. Also there has been a remarkable increase in the profitability level of banks.

But a bank that adopts electronic banking system must develop different methods of conducting business, methods that introduces new risks to the bank which normally have adverse effects on the banks and their customers.

Therefore, this research work tries to treat in details the risks associated with electronic banking, the effects of these risks on banks, managers and supervisors. 


TABLE OF CONTENTS

Title page                                                         i

Certification                                                       ii

Dedication                                                         iii

Acknowledgement                                              iv

Abstract                                                            v

Table of contents                                               vi-vii

 

CHAPTER ONE

1.1         Background of Study                                   1

1.2         Purpose of the study                                    4

1.3         Statement of problem                                  4

1.4         Scope of the study                                      6

1.5         Limitation of the study                                 6

1.6         Definition of terms                                       6

1.7         Research hypothesis                                    7

1.8         Research questions                                      8

1.9         Historical background of First Bank Plc

 

CHAPTER TWO

2.1         Literature Review                                             9

2.2         Information communication technology              10

2.3         Electronic computer devices                              11

2.4         Electronic banking (E-banking)                          13

2.5         Evolution of electronic banking  in Nigeria          14

2.6         Electronic payment system                               16

2.7         Benefits of electronic banking                           20

2.8         Disadvantages of E-banking                             21

2.9         The adoption of electronic banking in Nigeria banks         21

2.10      Cyber crimes and electronic banking                23

2.11      The evolution of computers and information technology   27-32

CHAPTER THREE

3.1         Research Methodology                                          33

3.2         Restatement of Research questions and hypothesis  33

3.3         Research design                                              35

3.4         Sources of collection                                        35

3.5         Sampling process                                           36

3.6         Population and sample of the study                    36

3.7         Measurement of variables                                   36

3.8         Research instrument techniques                          37

3.9         Validity of research instruments and testing          37

3.10      Research techniques for analysis                        38

3.11      Limitation of research methodology                    39

CHAPTER FOUR

4.1         Data analysis and interpretation                          40

4.2         Data presentation                                              40-53

4.3         Testing of hypothesis                                         53-64

CHAPTER FIVE

5.1     Summary                                                             65

5.2     Conclusion                                                            65

5.3     Recommendation                                                 67-69

          Bibliography                                                            70

          Questionnaire                                                                 71-73

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