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
- Binyaminu Usman Polytechnic, Hadijia, Jigawa State 3
- Borno State University, Maiduguri, Borno State 15
- Bowen University, Iwo, Osun State 1
- Chukwuemeka Odumegwu Ojukwu University, Uli, Anambra State 254
- College of Agriculture and Animal Science, Mando Road, Kaduna, Kaduna State 1
- College of Agriculture, Science and Technology, Lafia, Nasarawa State 8
- College of Education, Akwanga (affl To Ahmadu Bello Univ, Zaria) 1
- College of Education, Eha Amufu, (Affliliated To Unn), Enugu State 1
- College of Education, Warri (Affiliated To Delta State Uni, Abraka), Delta State 1
- College of Health Technology, Calabar, Cross River State 1