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, This Study aim at the  impact of electronic banking on performance in banking sector. Through the cluster sampling technique, data was collected by means of questionnaires from 35 First Bank officers and the result shows that First 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 First Bank, necessary legal codes banking should be established in order to enhanced growth of the industry.

TABLE OF CONTENT

PAGE

TITLE PAGE                                                                                                       I

CERTIFICATE                                                                                                    II

DEDICATION                                                                                                    III

ACKNOWLEDGEMENT                                                                                     IV ABSTRACT                                                                                                         V

TABLE OF CONTENT                                                                                         VI-VII

CHAPTER ONE: INTRODUCTION

1.1       BACKGROUND OF THE STUDY                                                            1

1.2       STATEMENT OF THE PROBLEM                                                          3

1.3       OBJECTIVES OF THE STUDY                                                                 4

1.4       RESEARCH QUESTIONS                                                                       6

1.5       RESEARCH HYPOTHESES                                                                     6

1.6       SIGNIFICANCE OF THE STUDY                                                             7

1.7       SCOPE OF THE STUDY                                                                         8

1.8       LIMITATION OF THE STUDY                                                                8

1.9       CHAPTER OUTLINE                                                                             9

1.10     DEFINITION OF RELATED TERMS                                                        11       

CHAPTER TWO: LITERATURE REVIEW

2.1. INTRODUCTION                                                                                       14

2.2. THE VIEW ON ELECTRONIC BANKING                                                     16

2.3. ELECTRONIC BANKING AND THE COMMON BANKING

         PRODUCTS                                                                                             20

2.4  THE ENTRY OF NIGERIAN BANKS INTO ELECTRONIC

BANKING                                                                                                24

2.6   OPERATION OF FINANCIAL INSTITUTION                                               36

2.7   ELECTRONIC BANKING PERFORMANCE                       36

CHAPTER THREE:        RESEARCH METHODO

3.1       INTRODUCTION                                                                                  40

3.2              RE-STATEMENT OF RESEARCH QUESTIONS                                        40

3.3       RESEARCH DESIGN                                                                              41

3.4       RE-STATEMENT OF RESEARCH HYPOTHESES                                     41

3.5       POPULATION OF STUDY                                                                      42

3.6       SAMPLING TECHNIQUES                                                                     42

3.7       SAMPLE SIZE                                                                                       43

3.8       SOURCES OF DATE                                                                              43

3.9       METHOD OF DATA ANALYSIS                                                              43

CHAPTER FOUR: DATA ANALYSIS AND DISCUSSION OF FINDINGS

4.1. INTRODUCTION                                                                                       45

4.2. PRESENTATION AND ANALYSIS OF DATA                                                45

4.3 TEST OF HYPOTHESIS                                                                                56

4.3 DISCUSSION OF FINDINGS                                                                        61

CHAPTER FIVE: SUMMARY, CONCLUSIONS AND RECOMMENDATIONS

5.0INTRODUCTION