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
- Kebbi State University of Science and Technology, Aliero, Kebbi State 6
- Kenule Benson Saro-Wiwa Polytechnic, Bori, Rivers State 18
- Kogi State Polytechnic, Lokoja, Kogi State 4
- Kogi State University, Anyigba 2
- Kwara State College of Health Technology, offa, Kwara State 9
- Kwara State Polytechnic, Ilorin, Kwara State 20
- Kwara State University, Malete, Ilorin, Kwara State 13
- Ladoke Akintola University of Technology, Ogbomoso, Oyo State 39
- Lagos State Poly, Ikorodu, Lagos State 2
- Lagos State University, Ojo, Lagos State 7