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
- Federal Polytechnic, Mubi, Adamawa State 20
- Federal Polytechnic, Nasarawa, Nasarawa State 59
- Federal Polytechnic, Nekede, Imo State 53
- Federal Polytechnic, offa, Kwara State 18
- Federal Polytechnic, Oko, Anambra State 8
- Federal School of Biomedical Engineering, (LUTH), Idi-Araba, Lagos State 1
- Federal School of Surveying, Oyo, Oyo State 7
- Federal University of Agriculture, Abeokuta, Ogun State 19
- Federal University of Petroleum Resources, Effurun, Delta State 77
- Federal University of Technology Akure, Ondo State 23