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Electronic Banking in Nigeria Problems and Prospects

Electronic Banking in Nigeria: Problems and Prospects

Project / Seminar Material
Reference ID: PS-12341-TM

DEDICATION

This research material titled “Electronic Banking in Nigeria: Problems and Prospects” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing or related project material on “Electronic Banking in Nigeria: Problems and Prospects” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    LITERATURE REVIEW

    • 2.1 Introduction
    • 2.2 Conceptual Review
    • 2.3 Theoretical Framework
    • ⋮
    • 2.4 Empirical Studies

    CHAPTER THREE

    RESEARCH METHODOLOGY

    • 3.1 Introduction
    • 3.2 Research Design
    • 3.3 Population of Study
    • 3.4 Sampling and Sampling Technique
    • 3.5 Validation of Research Instrument
    • 3.6 Method of Data Collection
    • 3.7 Method of Data Analysis
    • 3.8 Questionnaire Administration
    • 3.9 Ethical Consideration
    • 3.10 Statistical Analysis

    CHAPTER FOUR

    DATA ANALYSIS, RESULT AND DISCUSSION

    • 4.1 Introduction
    • 4.2 Presentation and Analysis of Data
    • 4.3 Re-statement of Research Questions
    • 4.4 Test of Hypotheses
    • 4.5 Discussion of Findings

    CHAPTER FIVE

    SUMMARY, CONCLUSION AND RECOMMENDATION

    • 5.1 Introduction
    • 5.2 Summary of Findings
    • 5.3 Conclusion
    • 5.4 Recommendation
    • 5.5 Suggestion for Further Study

    REFERENCES

    APPENDIX A - “QUESTIONNAIRE”

    ABSTRACT

    This research work is an attempt to analyse and find out the “PROBLEM AND PROSPECTS OF ELETRONIC BANKING IN NIGERIA”.

    The research geared toward explaining what Electronic Banking is all about and when it was introduce into Nigeria. The research also explained the services and the features of electronic Banking in Nigeria. Though some of the information is between the bankers and their customers, the researcher was able to b ing some of them out finally, the information contained in this project writing will educate some ignorant people, concerning how they can transact business with their bankers or their customers through electronic device.

    Electronic Banking in Nigeria: Problems and Prospects

    CHAPTER ONE

    1.0 Introduction

    1.1 Background Of The Study

    Financial institutions have been early adopters of smart card and credit cards technology, in the system and more recently, the launching of internet banking have transformed with world into a global village linked with electronic impulses. The idea or when the Apex Bank of Nigeria (Central Bank of Nigeria) gave the approval to Allstates. Trust Bank Limited to issue a financial product known as the ESCA an electronic purse to the public.

    Later on, Diamond Bank Limited, introduced a parallel product know as Diamond pay card. In February 998 the smart card received a boost, when 19 licensed banks floated a smart card company.

    1.2 Statement Of The Problem

    These introduction of electronic money which are still at a relatively early stage of development have the potential of challenge the predominant role of cash for making small value payments and makes retail transaction easier and cheaper for consumers and merchants (Hotels: Airlines, supermarkets, etc, who are current account holders). In the view of these, the Central Bank Governors of the group of ten (G-10) countries commissioned a series of studies on specific issue related to electronic money.

    1. To Highlight the main design features and functional aspects of electronic money products.
    2. To Analyses the technical risks specific to these products and
    3. To Examine possible security measures that can be relied upon to prevent, detect and contain fraud.

    1.3 The Objective Of The Study

    In respond to information technology developments in domestic financial sector, the Central Bank of Nigeria commissioned an information technology strategy study with the objective of promoting the efficient performance of its statutory duties. The project is being implemented in phases and both the licensed banks and the regulatory authorities have demonstrated their appreciation of the benefits derivable from use of information technology.

    The main focus of this project will be on the fundamental policy issues, which the introduction of electronic money scheme throws up, adequate attention will also be devoted to prospects or control mechanism that has put in place to ensure effective management of electronic product vis-à-vis likely impact on the economy as a whole.

    1.4 Scope Of Study

    The scope of this project work is restricted to only the banks and their customer in Nigeria and between a company or fir operating on electronic banking and their customers.

    1.5 Limitation Of The Study

    Despite the research is carried out there are some limitation the researcher encounter such as:

    (i) Inadequate Time:

    There is a limited for the researcher to work his project considering the short semester of the school.

    (ii) Inadequate Respond

    Some bank does not disclose how they operate on electronic banking because it is a secret between them and their customer.

    (iii) Finance

    The researcher has limited money to carry out the research more effectively.

    (iv) Inadequate Material

    Because the project is a new development the material for the project is limited.

    1.6 Definition Of Terms

    1. What is pin? Personal identification number it is a device used to gain access to ones personal account.
    2. What are features of electronic banking? These are what differentiate electronic banking and the former banking transaction.
    3. What is prospect of electronic banking? This is the feature success or out come or the position of electronic banking.
    …

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

    This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

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