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
- Covenant Polytechnic, Aba, Abia State 1
- Covenant University, Canaan Land, Ota, Ogun State 4
- Crawford University of Apostolic Faith Mission Faith City, Igbesa, Ogun State 2
- Crescent University, Abeokuta, Ogun State 1
- Cross Rivers University of Technology, Calabar, Cross Rivers State 142
- Delta State Polytechnic, Ogwashi-Uku, Delta State 11
- Delta State Polytechnic, Otefe, Delta State 12
- Delta State University, Abraka, Delta State 139
- Ebonyi State University, Abakaliki, Ebonyi State 17
- Edo University, Iyamho, Edo State 10