The Influence of Information Technology on Bank Operations in Nigeria
Student: Onyekachi Samuel Ubayaka (Project, 2025)
Department of Banking and Finance
Nnamdi Azikiwe University, Awka, Anambra State
Abstract
ABSTRACTThe study examined how ATMs, mobile banking, POS, and internet banking affect Nigerian banks’ performance (measured by Return on Equity). Using data from 2012–2021, it found that all four technologies had negative but insignificant effects on profitability. In short, while IT is essential for banking operations, it hasn’t yet led to noticeable financial gains. The study recommends better system integration, customer education, and regular performance reviews to improve results.
Keywords
For the full publication, please contact the author directly at: ou.samuel@stu.unizik.edu.ng
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Institutions
- Abdul-Gusau Polytechnic, Talata-Mafara, Zamfara State 3
- Abia State Polytechnic, Aba, Abia State 24
- Abia State University, Uturu, Abia State 71
- Abraham Adesanya Polytechnic, Ijebu-Igbo, Ogun State 3
- Abubakar Tafawa Balewa University, Bauchi, Bauchi State 15
- Abubakar Tatari Ali Polytechnic, Bauchi State. (affiliated To Atbu Bauchi) 1
- Achievers University, Owo, Ondo State 6
- Adamawa State University, Mubi, Adamawa State 8
- Adekunle Ajasin University, Akungba-Akoko, Ondo State 26
- Adeleke University, Ede, Osun State 1