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Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria

Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria

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DEDICATION

This research material, titled “Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Banking and Finance (BF) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



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
    • 2.5 Research Gaps
    • 2.6 Summary of Literature Review

    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

    Mobile banking system as an innovative product of commercial banks and telecommunication companies has become an important practice in Nigeria. The introduction of this phoning banking system has improve banking efficiency in rendering services to customer, as a result, the study examined inclusive financial solution: using mobile phones to provide financial solutions to the “unbanked”. The study adopted a quota sampling technique, data was collected by means of questionnaires from the residents of Ikorodu North Local Government Area and its outskirts (i.e. The villages and remote areas surrounding that axis) − 700; the staff of the MTN Mobile Nigeria Limited,Lagos office − 300; and collaborative staff of Guaranty Trust Bank Plc., Lagos head office − 300. The result shows that mobile banking does provide financial solution to the “unbanked” in Nigeria. Hence, there is a strongly positive relationship between independent and dependent variables. In other words, mobile banking is a reliable and efficient means through which the “unbanked” are being provided with financial solutions.

    To this end, it is hereby recommended that mobile communication industries (e.g.MTN Mobile Money) in collaboration with banking organizations should endeavour to make available to low income earners, especially the “unbanked” or “under-served”affordable mobile phones enabled with modern internet access and gadgets. Similarly,network providers should endeavour to extend their network services to the inward parts of the rural areas, by planting their masts in all strategic areas of villages surrounding Nigeria so as to ensure effectiveness of this innovation. Subsequently, banking organisations are advised to reduce their charges and fees so as to encourage the fearful “unbanked” open accounts and continue to enjoy banking products and services, so as to impact better on their lives through mobile phone system of banking of providing financial solutions and that difficult application processes and procedures for account opening through mobile banking should be simplified in order to accommodate the stark illiterate among them.


    Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria

    CHAPTER ONE

    1.1 Introduction

    … As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitation of the study and Definition of technical terms.…

    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 conceputal review, theoretical framework, the review of related literature …

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    Defense Procedure for Banking and Finance Researchers

    In preparation for defending a project or seminar on Financial Inclusion: Using Mobile Phones to Provide Banking Solution to the Under-Banked in Nigeria, it is imperative that as a nursing student, you demonstrate comprehensive knowledge of your research. The defense process is structured to include presenting your work, answering questions, and illustrating its pertinence. Initially, provide a succinct yet thorough introduction to your research topic, emphasizing its importance and the objectives, ensuring that both the audience and the External Examiner can understand the scope of your study.

    Prior to your defense, be thoroughly acquainted with your research abstract and the critical elements of Chapter One, including motivation for embarking on this research, problem statement, objectives, and significance. In Chapter Two, be ready to cite at least two references from the literature review. For Chapter Three, you should be equipped to discuss the methodologies, tools, and techniques utilized. In Chapter Four, defend your research by justifying the findings and linking them to your research objectives.

    Conclude your defense by succinctly summarizing the study and offering insightful, evidence-based recommendations. A professional dress code, such as wearing a suit and tie, is vital to create a favorable impression and elevate your presentation.

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