Impact of Electronic Banking System in Nigeria. a Critical Appraisal of Unity Bank Plc

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THE IMPACT OF ELECTRONIC BANKING IN NIGERIA BANKING SYSTEM (CRITICAL APPRAISAL OF UNITY BANK PLC)

BY OLORUNSEGUN SHITTU

BEING A RESEARCH PROJECT SUBMITTED TO THE DEPARTMENT OF MANAGEMENT SCIENCE, FACULTY OF ENGINEERING AND TECHNOLOGY, LADOKE AKINTOLA UNIVERSITY OF TECHNOLOGY, OGBOMOSO, OYO STATE NIGERIA IN PARTIAL FULFILMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTERS IN BUSINESS ADMINISTRATION (MBA) FINANCE

SEPTEMBER, 2010

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CERTIFICATION
This project with the title “The Impact of Electronic Banking in Nigeria Banking System” submitted by Olorunsegun Shittu and has satisfied the regulations governing the award of the degree of Master in Business Administration (MBA), Ladoke Akintola University of

Technology, Ogbomoso, Nigeria

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Supervisor

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Date

~~~~~~~~~~~~~~~~~~~~ Head of Department

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DEDICATION

This research project is dedicated to my wife, to the memory of my Parent and most especially to Almighty God for His abundant blessings and protection.

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ACKNOWLEDGEMENT I am most grateful to Almighty God who through His infinite mercy and love guided me throughout the duration of the programme.

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ABSTRACT
Electronic banking system has become an important practice among commercial banks in Nigeria. The introduction of this electronic banking has improve banking efficiency in rendering services to customer, It was in line with this that the study aim at examine the impact of electronic banking system in Nigeria. Through the cluster sampling technique, data was collected by means of questionnaires from 40 Unity Bank officers and the result shows that Unity Bank electronic banking guidelines are in line with the CBN electronic banking guideline. The bank has an effective electronic banking system which has improve its customer’s relationship and satisfaction. To this end, It is recommended that the bank information technology training programme should be encourage among the staff of Unity Bank, necessary legal codes banking should be established in order to enhanced growth of the industry.

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TABLE OF CONTENTS
Title Page Certification Dedication Acknowledgement Abstract List of Tables 1 2 3 4 5 6

CHAPTER ONE: INTRODUCTION
1.1. 1.2. 1.3. 1.4. 1.5. 1.6. 1.7. 1.8. 1.9. Background of the Study Statement of the Problem Objectives of the Study Statement of Research Questions Research Hypothesis Significance of the Study Scope of the Study Limitation of the Study Definition of Terms

1.10. Brief Profile of Unity Bank PLC

CHAPTER TWO: LITERATURE REVIEW
2.1. Introduction 2.2. The View on Electronic Banking 2.3. Electronic Banking and the Common Banking Products 2.3.1. Telephone and PC Banking Products 2.3.2. The Card System 2.3.3. The Automated Teller Machine (ATM) 2.4. The Entry of Nigerian Banks Electronic Banking 2.5. The Emerging Issues in Electronic Banking 2.5.1 Threats of Cyber Crimes on the Nigerian Banking Premises 2.5.2. The Regulatory Challenges 2.5.3. Electronic Banking Profitability and Efficiency

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2.5.4. Bank Customers Relationship 2.5.5. Operations of Financial Institution

CHAPTER THREE: RESEARCH METHODOLOGY
3.1. Introduction 3.2. Population of Study 3.3. Sampling Techniques 3.4. Sample Size 3.5. Sources of Data 3.6. Method of Data Analysis 3.6.1 Test of Hypothesis and Inference 3.6.2. Decision Rule and Justification

CHAPTER FOUR: DATA ANALYSIS AND DISCUSSION OF FINDINGS
4.1. Introduction 4.2. Presentation and Analysis of Data 4.3. Discussion of finding

CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMEDATIONS
5.1. Summary of the Study 5.2. Conclusion 5.3. Recommendations

REFERENCES- Bibliography APPENDIX - Proposed Research Questionnaire

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CHAPTER ONE INTRODUCTION 1.1. Background of the Study
The new millennium brought with it new possibilities in terms of information access and availability simultaneously, introducing new challenges in protecting sensitive information...
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