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This study assessed the extent of e-commerce usage for effective service delivery in Nigeria banking sector. Four research questions and four null hypotheses guided the study. Descriptive survey research design was adopted for the study. The study covered 64 microfinance banks in Oyo State, South-West, Nigeria. The population was made up of 1275 staffs from the 64 microfinance banks. The sample size consisted of 28 microfinance banks of which 280 staffs were purposively selected. A 28-item structured questionnaire was used as instrument for data collection. Four experts carried out the face and content validity of the instrument. The reliability was determined using Cronbach’s Alpha statistic Reliability Coefficient and reliability coefficient of 0.86 was obtained. The arithmetic mean and standard deviation were used to analyze data, answer research questions and determine the homogeneity or otherwise of the respondents’ means while ANOVA was used to test the null hypotheses at 0.05 level of significance. The findings revealed that microfinance banks in Oyo State have not use electronic payment cards as e-commerce delivery channels. They also use Internet marketing for product advertising and loan availability display; electronic fund transfer but have not been using it for online customers’ enlightment, online promotion of services and sending statements of account. It was recommended among other things, that management of microfinance banks should adopt most of the e-commerce delivery channel used by commercial banks in order to boost their standard of operation within the banking sector also, microfinance bank management should engage, encourage and sponsor their staff for re-training programmes to update their ICT knowledge, skills and competencies to effectively use the resources for quality customer service delivery.
2014 •
The rate at which banks are adopting Payment Technology (PT) calls for investigation into benefit and efficient customer service Patronage. This study is therefore carried out to examine the effectiveness of Payment Technology on Service Delivery of Micro finance bank (MFBs) in Nigeria. The study was carried out in Lagos State with Two hundred and Fifty (250) Questionnaires administered and distributed to staff of the selected MFBs, ten (10) staff each was picked from the Twenty-Five (25) selected MFBs across all the fifty–seven (20+37Lcda) local government in Lagos state. (www.lagosstate.gov.ng/news). Two hundred (200) Questionnaires were found useful for the purpose of the study representing 80% of the total questionnaire distributed. Both Primary and Secondary data was used. The data collected were analyzed using descriptive and inferential statistical tools. The descriptive statistics used included percentages and tables while ANOVA was used to analyze the study hypothesis. Find...
West African Journal Of Management And Liberal Studies Vol. 1,
AN ASSESSMENT OF THE CONTRIBUTION E-COMMERCE ON BANKING SERVICES DELIVERY IN NIGERIA2008 •
The paper focuses on the importance of e-commerce to the improvement of banking services in Nigeria. e-commerce has contributed tremendously to the business by generating more revenue, providing more available information, increasing productivity and generating new sales through new customers, and it also gives a company a competitive advantage over its rivalries. This paper has shown that e-commerce is effective and can be used as a strategy to meet organisational objectives and goals. Organizations should formulate good strategies to implement e-commerce into their structure and as the business environment, changes, organizations must change with their environment.
There is a general consensus that governments, businesses and all individuals need to harness the power of Information and Communication Technology (ICT) and ICT enabled services for wider access and improved welfare standards. The requirements of MFI clients in regard to electronic banking (e-banking) have received limited attention in the reviewed literature. In Kenya, little is known and understood about the customers' requirements with emergence of e-banking. In this paper, the authors investigate the MFIs clients' e-banking requirements to align with the MFIs preparedness for sustainable success. Besides, it narrows the digital divide in provision of financial services to Kenyans. Findings from this study indicate that in Kenya, MFI clients are ready for e-banking. The paper finally recommends some possible solutions that MFIs could embrace towards successful implementation of e-banking.
International Journal of Business Marketing and Management (IJBMM)
E-Marketing and Savings Mobilization Drive of Selected Microfinance Banks in Uyo Metropolis, Akwa Ibom State2022 •
This study empirically examined the influence of e-marketing on savings mobilization drive of selected microfinance banks in Uyo metropolis, Akwa Ibom State. In achieving this objective, data were obtained using a survey of 354 respondents drawn from micro finance bank branches/cash centres, Marketing managers of micro finance banks and selected staff /customers. 251 copies of the questionnaire were retrieved in useable form representing 70.9 percent and data analysed using the simple regression model (SRM). Data generated from the study were processed using descriptive and inferential statistics and hypothesis tested with linear regression at 0.05 level of significance. Findings revealed e-marketing had significant influence on saving mobilization drive of microfinance banks in Akwa Ibom State. Based on the findings,we concluded that emarketing had significance influence on saving mobilization drive of microfinance banks. This means that increasing effort in e-marketing potentials by microfinance banks will yield a corresponding increase in saving mobilization drive of those banks. Thus, we recommended that managers of microfinance banks should effectively enhance the use of e-marketing strategies to increase their banks saving mobilization drive.
Journal of Information Engineering and Applications
The Electronic Banking System and Efficient Service Delivery in the Banking Sector2015 •
Global Research Journal of Economic and Social Development
E-BANKING SERVICES AND PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIAThe study examined the effect of E-banking on performance of deposit money banks in Nigeria, through the use of eight selected deposit money banks categorized with international authorization in Nigeria. Design/Methodology/Approach: This study adopted ex-post facto research design because data were collected from secondary sources through annual reports and statistical bulletin of Central Bank of Nigeria over the period 2011 to 2020. E-banking was measured using mobile banking, online banking, automated teller machine and point of sale, while performance of bank was measured by Return on Assets (ROA). The study applied ordinary least square (OLS) in its analysis to determine the effect of E-Banking on the performance of deposit money banks in Nigeria. The outcomes of the work showed that mobile banking (MB) and point of sales have significant effect on performance of deposit money banks in Nigeria while online banking (OB) and automated teller machine (ATM) did not have significant influence on the performance of deposit money banks in Nigeria. Findings: The study consequently infers that spending money on E-banking may not necessary improve performance of deposit money banks in Nigeria. However, judicious use and management of the banks' resources as well as increase in customer base and retention coupled with excellent service delivery will contribute meaningfully to the banks' performance. Originality/Value Added: Some of the recommendation is that management of deposit money banks should provide service excellence, improve service quality. Government at all levels should provide enabling environment and social infrastructure such as: constant power supply, quality and good telecommunication, cheap and robust internet services. The banks' managements should pursue more campaigns and orientation on their customers to create awareness for them to patronize the facilities provided by the banks especially in the rural areas. The management of the banks need to educate customers from time to time with regard to electronic banking facilities and provision of easy to use and customer interactive features in electronic banking equipment.
Esensi: Jurnal Bisnis dan Manajemen
The Effect of Electronic Payment Systems on Financial Performance of Microfinance Banks in Niger StateThis study employs the cross sectional survey research design and the descriptive and ordinary least square regressions to examine the impact of Electronic-Payment Systems on the financial performance of Microfinance Banks and Institutions in Niger state, Nigeria. The results of the analysis indicate the presence of e-payment systems in the bank, which enjoys impressive acceptability, due to its ease of use and convenience. In addition, ATM facility, Internet payment options, e-payment cards, and mobile banking platforms shows a significant positive impact on the financial performance of COE-Minna microfinance bank. In essence, the improvement and review of e-payment platforms’ security, so as to attract more users, coupled with the reduction of charges associated with the use of the platforms as well as sensitization of potential users were recommended.
Journal of Electronic Banking Systems
E-Commerce Products and Services in the Banking Industry: The Adoption and Usage in Commercial Banks in Kenya2010 •
The study focused on effects of E-banking services delivery on customer satisfaction in Select banks in Anambra State, Nigeria. Specifically, the study aimed to determine effect of perceived usefulness of technology on customer satisfaction in commercial banks, to ascetain the nature of the relationship between perceived easy to use and customer satisfaction in commercial banks, to ascertain the extent to which secuirty influence customer satisfaction in commercial banks. Population of the study consists of e-banking customers of 5 selected commercial banks: First Bank Plc, Gtbank Plc, UBA, Zenith Bank Plc and Access Bank Plc. A sample size of 618 was obtained using Freud and William's formula. The questionnaire was used to generate the relevant primary data. Out of 618 copies of the questionnaire distributed 499 copies were returned, 63 copies were not returned while 51 were considered invalid. Survey research design was adopted for the study. 5 formulated hypotheses were tested using Pearson product moment correlation coefficient and simple linear regression tool. The findings indicate that perceived usefulness of technology siginficantly affected cusomer satisfaction in commercial banks (r = 0. 927; F = 1290.828; t = 35.928; p < 0.05). There was a positive relationship between perceived easy to use and customer satisfaction in commercial banks (r =.798, P < 0.05). Security sigificantly influence customer satisfaction in commercial banks (r = 0. 729; F = 240.161; t = 15.497; p < 0.05). The study concluded that electronic banking has become a necessary survival weapon and is fundamentally changing the service delivery system of the banking industry in Nigeria. The study therefore recommends that management of commercial Banks in Anambra State and Nigeria at large should
The International Journal of Business & Management
Examining the Effect of E-Banking Services on Customer Satisfaction in Deposit Money Banks in Adamawa State Capital, Nigeria2021 •
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