Acta Universitatis Sapientiae, Economics and Business. Abstract This study examines the impact of bank capital and operating efficiency on the Nigerian deposit money bank financial performance with a view to resolving risk-based and non-risk-based … Expand.
Highly Influenced. View 4 excerpts, cites background. The purpose of this study is to empirically examine the relationship between human resource management and business success of deposit money banks in Port Harcourt. Data were collected from a sample … Expand. View 1 excerpt, cites background. The Banking Sector has been relied upon by many household, small savers and industrialists to provide their financial assistance at one time or the other.
While it is expected that they do this very … Expand. British Multinational Banking This is a study of the emergence, growth and performance of British multinational banks from their origins in the s until the present day. British owned banks played leading roles in the … Expand. View 2 excerpts, references methods. All you need is to send an SMS with certain codes to specified numbers. This method of paying bills through electronic devices dates back to over 7 years.
Electronic bill payment is the payment of regular bills with electronic devices such as ATMs, mobile phones or computers. Bills that can be paid through this means include electricity bills, cable bills, phone bills, water bills, internet bills etc.
All you need to do is visit the website, register and transact. Electronic bill payment has however not been as widely embraced as the use of ATM. Many Nigerians do not utilize this easy method either because they are used to paying to tellers, want a regular hard copy receipt of payment to prevent disconnection, ignorant or they simply do not trust this new method of payment.
They stay completely away from electronic banking in Nigeria problem and prospects. Electronic bill payment is however an easy and efficient way of paying household bills.
This gadget is used in place of physical cash at retail stores. Merchants who have POS connect digitally to their banks. Point of Sales is still a fairly new method of e-banking in Nigeria, as Nigerian stores began using POS less than 15 years ago, as against the earliest form of Point of Sales software made in by Gene Mosher.
While big stores in the country have several POS ports, most shops in Nigeria do not have such machines. Before I delve into this method of e-banking, I want to point out that Nigerians based in Nigeria are usually recipients of e-cheques, not issuers.
They have as much value as physical cheques. Usually, these cheques are issued by employers who are geographically distant from their employees, especially when such employees are spread all over the world. Nigeria bloggers and bloggers all over the world get e-cheques from advertisers and other business partners such as Google Adsense. Electronic cheques have been in use in Nigeria for decades. However, there has been a boom in the blogging world and as a result; this option of e-payment is more popular.
The various methods of e-banking in Nigeria as well as their histories have been illustrated above. It goes to show that technology is improving in the banking sector globally and our dear country Nigeria is definitely moving with the trend. Adewoye, J. Impact of Information 8. Addressing the problems associated with the e-banking, every International Business Management 1 4 : Agboola, A.
Adequate and well-functioning infrastructural facilities Journal of Social Science 7 3 Audu, A. Effect of Electronic Banking Facilities must be tackled by the government to facilitate the usage Employment Sector and age group on customer choice of of e-banking.
Journal of Interest Banking and ii. To encourage Nigerians to patronize such services; the Commerce. Anyanwaokoro, M. Theory and Policy of Money iii. Collective and individual analysis should be made of the and Banking, Enugu, Nigeria: Hossana Publications. Element, Practice and on the economy. Processes of Banking Operations, Enugu, Nigeria: iv.
Effective regulatory measures must be implemented at Hossana Publication. Nigeria Banking Laws and v. There must be clear cut intention to purse either inflation Regulations, Enugu, Nigeria: Hossana Publication. Carlson, J. Furst K. Internet Banking: Market Development and Regulatory vi.
The Central Bank must redesign its monetary policy Issues, Society of Government Economists Conference framework in such a way to recognize the effect of , Washington D. Central Bank of Nigeria , Keynote Address 9.
Conclusion Delivered by the Governor, Central Bank of Nigeria at Internet banking is certainly one of the great things that have the 14 th Annual Bank Conference Held on Thursday, happened to the Nigerian financial institution and its services September. It has brought about ease in banking. Though it Central Bank of Nigeria a , Report of the Technical seemed, initially, not to be feasible because of both the Committee on Electronic Banking, February.
One PDF Clive, W. Academics Dictionary of Banking, In view of the finding from the research work, the following Edet, O. Electronic Banking in Banking ways were recommended through which e-banking can aid Industries and its Effects.
P All banks should utilize information technology to render Ernest, S. Cashless Banking in services that meet the genuine need of customers and if Nigeria: Challenges, Benefits and Policy implication.
Hence, the government and private sector Idowu, P. The Effect of Information investment should focus on improvement that would Technology on the Growth of Banking Industry in complement the current power supply. Journal of Social Science Vol. All banks should ensure that seminars and workshops are Hodagho, E. Assessment of Risk Involved in the carried out regularly to enlighten the staff in the banks on Payment System. A paper Presented at C.
N Seminar on the advantages of being computer literate and as well as Payment System, Vol. Ibrahim, D. Boosting Payment Solution 4. Proper infrastructures should be put in place by the banks with Visa Card. Daily Champion, P. Imiefoh, P. Towards Effective Implementation of includes telecommunication and power.
Electronic Banking in Nigeria. International 5. Banks should conduct appropriate risk analysis and due Multidisciplinary Journal, Ethiopia, Vol. Regulatory authorities like the Central Bank of Nigeria Okeci, O. And Oruan, P. Empirical Evaluation of technological infrastructures. Oleka, J. E-payment and Its Challenges.
Omotayo, G. Onwurah, A. Ovia, J. Singer D. Suleiman, B. Central Bank of Nigeria Library, P. Tope D. E-Banking Operations: The Nigerian experience. Usman, S.
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