The Impact Of Electronic Banking In Nigerian Banking System (critical Appraisal Of Unity Bank Plc)

Electronic banking System has become an important practice among Commercial Banks in Nigeria. The introduction of this electronic banking has improved banking efficiency in rendering services to customers.   It was in line with this that the study aimed at examining the impact of electronic banking in Nigerian banking system.   Through the cluster sampling techniques, data were collected by means of questionnaires from 40 Unity Bank Plc officers and the result shows that Unity Bank Electronic Banking guidelines are in line with the CBN’s electronic banking guidelines.   The bank has an effective electronic banking system which has improved its customers’ relationship and satisfaction.   To this end, it is recommended that the bank’s information technology training programme should be encouraged among the staff of the Unity Bank, necessary legal banking codes should be established in order to enhance the growth of the banking industry.       

Title Page               

Certification            

Dedication             

Acknowledgement            

Abstract               

Table Contents             

CHAPTER ONE: 

INTRODUCTION 

1.1   Background of the Study        

1.2   Statement of Problems         

1.3   Objectives of the Study         

1.4   Statement of Research Questions     

1.5   Research Hypothesis          

1.6   Significance of the Study         

1.7   Scope of the Study          

1.8   Limitation of the Study         

1.9   Definition of Relative Terms       

1.10  Brief Profile of Unity Bank Plc       

      References            

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)    

2.3.4 Cheque             

2.4   The Entry of Nigerian Banks into Electronic Banking System          

2.5   The Emerging Issue 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   

2.5.4 Banking Customers Relationship      

      References            

CHAPTER THREE: 

RESEARCH DESIGN AND 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         

3.7   Test of Hypothesis and Inference     

3.7.1 Decision Rule Justification       

CHAPTER FOUR: 

DATA PRESENTATION, ANALYSIS AND DISCUSSION OF FINDINGS       

4.1   Introduction            

4.2   Presentation and Analysis of Data      

4.2.1 Qualification of Respondents       

4.2.2 Working Experience          

4.2.3 Cadre of Respondents         

4.2.4 Professional Qualification         

4.2.5 Department of Respondents       

4.2.6 Threat of Electronic Banking       

4.2.7 Threat Assessment          

4.2.8 Respondent Assessment of Unity Bank Electronic Banking System             

4.2.9 Information Technology Training Program    

4.2.10Level of Electronic Banking      

4.2.11Improvement of Customer Satisfaction   

4.3   Test of Hypothesis          

4.4   Discussion of Findings         

CHAPTER FIVE: 

SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS    

5.1  Summary of Findings        

5.2  Conclusion            

5.3  Recommendations         

     Bibliography            

     Appendix             

 Questionnaire