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Journal articles on the topic 'Nigerian banking operations'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

EDOJAIMONI, L.E. (MSc. Candidacy) and OSUJI, C.C. (PhD). "MODERN PAYMENT PLATFORMS AND THE NIGERIAN FINANICAL SERVICE ACCESSIBILITY: A RURAL BANKING MODEL." Finance & Accounting Research Journal 4, no. 3 (2022): 39–50. http://dx.doi.org/10.51594/farj.v4i3.381.

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The study examined the effect of modern payment platforms on financial service accessibility in Nigeria: a rural banking model. Specifically, this study examined the effects of Automated Teller Machines-ATM operations, Mobile Banking operations-MOB, Internet Banking-INB operations, and Point of Sale-POS operations on the Number of Account Holders-NAH in Nigeria. The study spanned from 2009 to 2021. The study adopted the robust least square estimate. Meanwhile, the study sourced data principally from Central Bank of Nigeria Statistical Bulletins, and World Bank Data Bank from 2009 to 2021. The

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Sarah, Elechi Jeff-Anyeneh, Tobechukwu Abazu Emmanuel, and Chijindu Ananwude Amalachukwu. "Short-Run Effect of Electronic Banking on the Growth of Nigerian Money Deposit Banks." IASR Multidisciplinary Journal 2, no. 3 (2022): 6–14. https://doi.org/10.5281/zenodo.6820442.

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This study is an empirical investigation into the effect of electronic banking on the growth of the Nigerian money deposit banks. Specifically the study determined the effect of internet banking, mobile banking, ATM operations, and POS transactions on the growth of deposit money banks in Nigeria. The independent variables are internet banking, mobile banking, ATM operations and POS transactions. The dependent variables include growth rate of total deposit and growth rate of total assets. Secondary data relating to the variables were sourced from the Central Bank of Nigeria (CBN) annual report

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Waribugo, Sylva, HappinessWariboko; Chioma, and Lolo Teddy Adias. "Challenges of Business Process Re-Engineering Implementation in Nigerian Banking operations." International Journal of Business Management and Technology 6, no. 3 (2023): 184–97. https://doi.org/10.5281/zenodo.7676838.

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This study explored the concept ofBusiness Process Re-engineering (BPR) in Nigerian Banking Operations, with a view to identify its implementationchallenges.The study collated and critically examined several works from different scholars with a view to shed more light on challenges of business process re-engineering in the Nigerian banking sector.Our findings show that although BPR is a dynamic practicein the Nigerian banking operations, there is still a lot more to be done in improving the capabilities of the managers themselves in order to have more successful implementation.Managers of Nige

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Sarumi, J. A., and O. M. Omotosho. "A Review of Network Security Strategies Employed By the Nigerian Banking Sector (Case Study of Access Bank PLC, Bariga, Lagos, Nigeria)." Advances in Multidisciplinary and scientific Research Journal Publication 8, no. 1 (2022): 1–10. http://dx.doi.org/10.22624/aims/sij/v8n1p1.

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The security of banking infrastructures viz-a-viz customer funds, investments and deposits are Germaine to successful banking operations. This study reviews computer and network security strategies employed in the banking sector using Access Bank Nigeria PLC, Bariga Branch in Lagos state. Our efforts discovered that some of the strategies put in place to mitigate cyber-attacks include the use of passwords, antivirus, firewalls, encryption, intrusion detection systems and intrusion prevention systems. We posited that the deployment, adoption and utilization of the integrated banking systems use

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Obayagbona, Joel, and Manson Osagiende. "RISK MANAGEMENT AND PERFORMANCE OF THE NIGERIAN BANKING INDUSTRY." JOURNAL OF BUSINESS STUDIES AND MANGEMENT REVIEW 6, no. 2 (2023): 118–27. http://dx.doi.org/10.22437/jbsmr.v6i2.24891.

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The study examines the relationship between risk management and the performance of the Nigerian banking industry. The panel data analysis technique based on the fixed effects estimation was employed to analyze the Nigerian banking industry performance. Risk management related factors such as credit risk, liquidity risk, market risk, interest rate risk and operational risk. A total of 18 most active deposit money banks listed on the Nigerian Stock Market for a period of 22 years (2000 to 2021) were used in the analysis. The empirical findings revealed that credit risk and operational risk varia

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Francis, Akubuilo, and I. Akubuilo Nneoma. "NIGERIAN BANKING SECTOR: IMPACT OF CORPORATE GOVERNANCE ON PROFITABILITY." International Journal of Novel Research in Humanity and Social Sciences 9, no. 3 (2022): 59–68. https://doi.org/10.5281/zenodo.6674722.

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<strong>Abstract:</strong> Business governance has recently sparked widespread concern, owing mostly to huge corporate failures on a domestic and global scale. Governments have adopted both proactive and reactive efforts to achieve sector stability in response to increased incidences of financial distress. Nonetheless, despite government interventionist measures, the stability of banking operations remains doubtful. This study aims to empirically examine the impact of corporate governance on the profitability of Nigeria's banking system. Return on equity (ROE) and return on assets (ROA) we

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OSAKWE, CHARITY IFUNANYA, VICTORIA OGOCHUCHUKWU OBI-NWOSU, CHIMA KENNETH ANACHEDO, and CATHERINE EKENMA UDEOBA. "EFFECT OF ELECTRONIC BANKING ON THE PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA." ANAN Journal of Accounting 13, no. 1 (2024): 48–66. http://dx.doi.org/10.70518/ajoa.v13i1.03.

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The study investigates how automated teller machines (ATM) and mobile banking affects performance of deposit money banks in the Nigerian economy. The study made use of time series data which were obtained from the Central Bank of Nigeria Statistical Bulletin from 2009 to 2021. The Central Bank of Nigeria (CBN) data on automated teller machine and mobile phones banking were used to proxy electronic banking while total deposits in banks proxied the performance of deposit money banks. The analysis was done using ordinary least square econometric technique with the aid of E-views statistical packa

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Uniamikogbo, Emmanuel, Emma I. Okoye, and Akonye Chinazu. "Non-Interest Income and Financial Performance of Selected Deposit Money Banks in Nigeria." International Journal of Business Strategy and Automation 1, no. 3 (2020): 52–66. http://dx.doi.org/10.4018/ijbsa.2020070105.

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This study examined the effect of e-banking income, fee income, and firm size on market value added of Deposit Money Banks in Nigeria. The eight banks categorised by Central Bank of Nigeria in 2014 to be Domestic Systematically Important banks were selected using the purposive sampling technique. Data collected from the annual reports and accounts and the Nigerian Stock Exchange website respectively for a period of 11 years (2008-2018) was used. The descriptive statistics and econometric analysis were employed using the Panel Data Analysis method. Findings from the study revealed that e-bankin

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M.O, Oladejo, Yinus S.O, Tajudeen Sanni, and Akintunde Hakeem A. "Effect of Electronic Marketing Practice on Service Satisfaction and Legal Framework in Nigeria Banking Sector." International Journal of Research and Innovation in Social Science VIII, no. VI (2024): 439–49. http://dx.doi.org/10.47772/ijriss.2024.806033.

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The emergence of technology has heightened the significance of marketing, making it a central element of business operations. However, there is a notable dearth of research focusing on the elements of e-marketing and their impact on customer service satisfaction, while considering the relevant legal regulations governing these activities. This research gap is especially conspicuous within the Nigerian banking industry, where intense competition persists following banking consolidation. Consequently, there is an urgent requirement for further empirical investigation in this area. This study end

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Ezeh, Precious Chikezie, and Anayo D. Nkamnebe. "Determinants of Islamic banking adoption among non-Muslim customers in a Muslim zone." Journal of Islamic Accounting and Business Research 13, no. 4 (2022): 666–83. http://dx.doi.org/10.1108/jiabr-10-2021-0280.

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Purpose The purpose of this study is to establish the relationship between relative advantage, social influence, trust, compatibility, knowledge and adoption of Islamic banking among non-Muslim bank customers in a Muslim zone of Nigeria. Design/methodology/approach Usable questionnaires were received from 350 participants. Structural equation modeling is used to assess the relationships between latent unobserved constructs. Composite reliability and average variance extracted were used to test the reliability and validity of the instrument. This study uses the correlational research design to

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Nwanyanwu, Dennis, Kevin Njoku, and Emeka Nkoro. "Mock Bank practices and employee performance in the banking sector." International Journal of Business Ecosystem & Strategy (2687-2293) 1, no. 3 (2019): 1–9. http://dx.doi.org/10.36096/ijbes.v1i3.280.

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The practice of mock bank is an institutional arrangement to expose potential bankers to basic rudiments of banking operations with the ultimate aim of increasing the profitability of the organization through employee performance. This study assessed the impact of mock bank practices on employee performance in the banking sector as a panacea for repositioning the Nigerian economy with a specific focus on Union Bank Plc. The objective is to examine the contributions of operational experience to staff, ascertain the impact of professional ethics on commercial banks in Nigeria and identify the co

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Odeyemi Olubusola, Titilola Falaiye, Adeola Olusola Ajayi-Nifise, Onyeka Henry Daraojimba, and Noluthando Zamanjomane Mhlongo. "Sustainable IT practices in Nigerian banking: Environmental perspectives review." International Journal of Science and Research Archive 11, no. 1 (2024): 1388–407. http://dx.doi.org/10.30574/ijsra.2024.11.1.0230.

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This review paper aims to critically analyze sustainable information technology (IT) practices in the Nigerian banking sector, focusing on environmental perspectives. The primary objective is to identify and evaluate the extent to which Nigerian banks have integrated sustainable IT practices and the impact of these practices on environmental sustainability. The methodology involves a comprehensive review of existing literature, including academic journals, industry reports, and case studies, to gather insights into the current state of sustainable IT in Nigerian banking. Key findings reveal th

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Aro, A. K. Odunlami O. A. &. Pinheiro S.O. "Harnessing Digital Media Technologies for Sustainable Development in Nigeria Fintech Banks." Ebonyi State University Journal of Mass Communication (EBSUJMC) 111, no. 1 (2024): 121–32. https://doi.org/10.5281/zenodo.13993026.

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<strong>Background: </strong>Digital media technology has significantly transformed the banking sector by promoting financial inclusion, enhancing operational efficiency, and supporting sustainability. Despite its potential, there is a limited understanding of how these technologies can be effectively harnessed by Fintech banks in Nigeria to drive sustainable economic development. <strong>Objective: </strong>This study investigates the adoption of digital media technologies by Nigerian Fintech banks, focusing on their impact on customer experience, service delivery, and operational efficiency.

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Otosi, F. Bassey, Fina Otosi Faithpraise, and Ije Ubi. "Exploring the Impact of Innovation practices, Technologies on the Operational Efficiency of Commercial Banks in Nigeria." Shodh Sari-An International Multidisciplinary Journal 03, no. 04 (2024): 03–23. http://dx.doi.org/10.59231/sari7743.

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In the rapidly evolving financial landscape, innovation has become a critical driver of operational efficiency for commercial banks. This study explores the impact of technological and process innovations on the operational efficiency of commercial banks in Nigeria. It aims to understand how innovative practices and technologies influence cost reduction, service delivery, customer satisfaction, and overall financial performance. Using a straightforward random sampling technique and a descriptive survey design, the study selected 388 participants at random from the 97,026 commercial bank employ

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Adeiza, Adams, Mohammed Sani Abdullahi, Fadi Abdel Muniem Abdel Fattah, et al. "Mediating mechanism of customer satisfaction on customer relationship management implementation and customer loyalty among consolidated banks." Uncertain Supply Chain Management 10, no. 3 (2022): 819–32. http://dx.doi.org/10.5267/j.uscm.2022.3.012.

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The aim of this study is to investigate the mediating mechanism of customer satisfaction (CS) on customer relationship management (CRM) and customer loyalty (CL) among Nigerian consolidated banks. This paper used a survey research design, and the study unit of analysis consists of selected customers among Nigerian consolidated banks. This study used a purposive sampling technique whereby structured questionnaires were used to collect data from 750 customers of the 5 focused banks in Kano State, Nigeria. Partial least square–structural equation modelling (PLS-SEM) was used to evaluate the study

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Omankhanlen, Alex Ehimare. "The Effect of Monetary Policy on the Nigerian Deposit Money Bank System." International Journal of Sustainable Economies Management 3, no. 1 (2014): 39–52. http://dx.doi.org/10.4018/ijsem.2014010104.

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This study investigates the effect of monetary policy on the Nigerian Deposit Money Bank (DMB) System. The Nigerian banking system is currently under-going a series of reforms in order to enhance its competitiveness and efficiency. The Ordinary Least Square (OLS) method is used to examine the effect of monetary policy on the Nigerian Deposit Money Bank System, using such variables as total loans and advances (TLA) as dependent variable and liquidity ratio (LR),cash reserve ratio (CRR), monetary policy rate (MPR), and average exchange rate (AER) as independent variables. The result of the findi

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Sarumi, J. A., O. B. Longe, and F. O. Adelodun. "An Empirical Evaluation of the Effectiveness of the Computer-Based Network Security and Firewall in Banking Systems." Advances in Multidisciplinary and scientific Research Journal Publication 10, no. 1 (2022): 21–31. http://dx.doi.org/10.22624/aims/maths/v10n1p3.

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As more banking operations are migrated into the digital platform, customers have continued to enjoy better seamless banking services. In consonance with this, concerns have also continued to rise about the effectiveness of the strategies adopted by banks to mitigate different forms of attackers targeted at operational platforms by unscrupulous elements. Using a case study, this paper evaluates the effectiveness of the Computer-Based Network Security and Firewall In banking Systems. This study employed the use of online questionnaires as a means of data collection. Our study adopted the survey

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O. Ugbomhe, Ugbomhe, Ojo Olu, and Ebomah Ernest Monday. "Strategic Outsourcing and Corporate Performance in Nigerian Banking Industry." Journal of Business Theory and Practice 9, no. 2 (2021): p68. http://dx.doi.org/10.22158/jbtp.v9n2p68.

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This study examined strategic outsourcing and corporate performance of commercial banks in Nigeria. The decision to outsource is driven by the perception of management on how organization can achieve corporate effectiveness and efficiency with outsourcing strategy. This study specifically focused on two objectives; to investigate the relationship between strategic outsourcing and corporate performance and to ascertain the correlation between recruitment outsourcing and corporate performance. The study used a total number of twenty two (22) commercial banks listed in the Nigerian Stock Exchange

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Amungo, Ebimo, and Trevor Buck. "International Expansion of Nigerian Banks Which Theories of Internationalization Prevailed?" Nile Journal of Business and Economics 3, no. 6 (2017): 79. http://dx.doi.org/10.20321/nilejbe.v3i6.106.

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<p>This paper compares the internationalization pattern of Nigerian banks to the predictions of the theories of internationalization. The research sougt to identify factors that influenced the decision of Nigerian banks to establish international operations as well as those that determined their entry mode choices.</p><p>The study adopted a mixed qualitative and quantitative approach. Multiple case studies were used and five Nigerian banks were purposively sampled. Primary data was collected using Likert scale questionnaires and interviews, while secondary data was obtained f

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N. N., Samuel, Remigius C. E., and Uduimoh A. A. "Internal Controls, Frauds in the Nigerian Banking Industry." African Journal of Accounting and Financial Research 7, no. 3 (2024): 55–70. http://dx.doi.org/10.52589/ajafr-k5nqclff.

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The study examined the management of fraud and internal controls in the Nigerian banking industry. Two research hypotheses were raised. The study employed a descriptive survey method as the research design. Data used for this study were collected mainly from both primary sources. The data collected through the use of questionnaires were analyzed using the Pearson Chi-square contingency test with the SPSS statistical tool (SPSS version 22). The findings revealed that in most banking industries today, fraud is seen as a normal thing that cannot be avoided, prevented or even detected. Proper step

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AJALA, Oladayo Ayorind, Toyin AMUDA, and Ley ARULOGUN. "Evaluating Internal Control System as Preventive Measure of Fraud in the Nigerian Banking Sector." International Journal of Management Sciences and Business Research 2, no. 9 (2013): 01–08. https://doi.org/10.5281/zenodo.3441639.

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This study evaluated Internal Control System as preventive measure of fraud in the Nigerian banking sector. The objective was to identity whether this has actually achieved the desired result for which it was purposed, especially, in the popular Nigerian banks. To this end, the study was carried out by purposely collecting data from five Nigerian Commercial banks. The data were collected from bank audited and published financial statements and were analyzed with the use of Product Moment Correlation Coefficient and regression analysis. The findings revealed that Internal Control System has sig

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Olowofela, Olusola Enitan, Hermann Azemtsa Donfack, and Celestin Wafo Soh. "Sustainable Banking and Bank Stability in Nigeria: Empirical Evidence from Deposit Money Banks." Journal of Risk and Financial Management 18, no. 4 (2025): 211. https://doi.org/10.3390/jrfm18040211.

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We investigated the impact of sustainable banking practices on bank stability in the Nigerian banking sector. We focused on data from 2012 to 2022, which were extracted from the balance sheets of deposit money banks in Nigeria. We employed the Dynamic Ordinary Least Squares (DOLS) estimator with E-Views to analyze the data. Our findings show that environmental emissions and waste reduction have minimal effects on bank assets, capital adequacy, and liquidity, though they do not directly cause financial instability. Investments in environmental innovation reduce asset growth and increase liquidi

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Iortimbir Aun, Isaac Aun, Falilat Ajoke Abdul, Yusuf Ismail Mustapha, and Ganiyu Taiwo Oladipo. "Impact of organizational mission on innovation: Evidence from Guarantee Trust Bank, Nigeria." Journal of Innovation in Business and Economics 7, no. 01 (2023): 51–60. http://dx.doi.org/10.22219/jibe.v7i01.18579.

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The purpose of this study was to evaluate the effect of organizational mission as an element of organizational culture on the level of innovation in Nigerian banking. The questionnaire was designed using structured questions to gather data from employees at five Guarantee Trust bank branches in the metropolis of Ilorin, Kwara State, Nigeria. A total of 132 respondents participated in this study, and the OLS-based regression analysis revealed that the mission and the consistency of mission implementation have a significant effect on product and service innovation. Therefore, this study recommen

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Ofo, Nat, Rita Ngwoke, and Faith Kelechi Ekwe. "AN APPRAISAL OF THE REGULATION OF DIGITAL BANKS IN NIGERIA." AGORA INTERNATIONAL JOURNAL OF JURIDICAL SCIENCES 18, no. 1 (2024): 62–74. http://dx.doi.org/10.15837/aijjs.v18i1.6743.

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The advent of the computer age saw industries across the world hopping on the Information and Communications Technology train in a bid to survive. The financial industry is no exception, having since incorporated Information and Communications Technology in its operations. Traditional financial institutions like banks now utilize technology to render financial services to their customers. Aside the traditional banks, a new class of banks called digital banks has emerged in recent times in Nigeria, examples include Kuda, Aladdin, and VBank. These banks operate without a physical banking hall an

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MuhibatAyoni Oladimeji, Muhammad Ridhwan Ab. Aziz, and KhairilFaizal Khairi. "Comparative Analysis of Industry Development of Islamic Banking System in Malaysia and Nigeria." Journal Of Creative Writing (ISSN-2410-6259) 1, no. 4 (2015): 65–79. http://dx.doi.org/10.70771/jocw.v1i4.20.

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Purpose: The purpose of the study is to critically evaluate the industry development of Nigerian Islamic banking system in terms of its establishment and operation using Malaysian experience as the base. The study also provides useful suggested recommendations as a way forward for the development and for the smooth running of the system. Methodology: Qualitative research method was employed by the study which consists of documentary review and face to face in-depth interview. with regulatory officers, practitioners, academicians who are directly involved in the operations of Islamic banking sy

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ODUENYI, Chuddy Christian. "EFFECTIVENESS OF SOCIAL MEDIA USAGE BY PUBLIC RELATIONS UNITS OF SELECT BANKS IN SOUTHWEST, NIGERIA." IMSU Journal of Communication Studies 9, no. 1 (2025): 13–25. https://doi.org/10.5281/zenodo.15240259.

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This study investigated the effectiveness of social media usage by Public Relations units of select Banks in Southwest, Nigeria. The rationale for the study is that while there is an awareness of the spread of social media adoption in the Nigerian banking sector, little is known about its adoption and the effectiveness of its usage by Public Relations units of Nigerian Banks. The study was anchored on The Technological Determinism Theory. The survey method was used to gather data from managers and PR staff of 6 banks in Lags and Ogun States. Ten (10) managers and the public relations in-house

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ODUTOLA, OLAYINKA, OYINDAMOLA IWALEHIN, and ELIZABETH MODUPE DOPEMU. "Blockchain Technology in Mortgage Banking: A Solution to Housing Affordability and Security Concerns in the U.S." International Journal of Scientific and Management Research 04, no. 08 (2021): 137–50. http://dx.doi.org/10.37502/ijsmr.2021.4811.

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This study explored the integration of blockchain technology into mortgage banking operations to address key issues such as housing affordability, process efficiency, and security concerns in the U.S. The research investigated how blockchain could streamline mortgage processes, ensure transparency, and mitigate risks associated with traditional banking systems. It drew on insights from the challenges faced by Nigerian mortgage banks, particularly the impact of political instability on financial markets. By leveraging the potential of blockchain to enhance operational transparency and efficienc

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Udefi, G. N., C. U. Ngwa, and A. Ojeh. "The Effectiveness of IFRS 9 In Managing Credit Risk Amidst Exchange Rate Volatility in Nigeria Banks." International Journal of Financial Economics and Accounting 5, no. 2 (2025): 10–26. https://doi.org/10.5281/zenodo.15189177.

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This study investigates the effectiveness of IFRS 9 in managing credit risk within Nigerian banks amidst exchange rate volatility. Data were collected using a structured questionnaire distributed to 134 professionals involved in risk management and financial operations within Nigerian commercial banks. The findings reveal that 60% of respondents believe IFRS 9 has been moderately effective in enhancing credit risk management, though its full potential is hindered by the unpredictability of exchange rate fluctuations. Over half (55%) of the respondents reported challenges in aligning IFRS 9&rsq

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TAIWO, JAMES ODEBOLA. "The Syzygy of the Operations and Drawbacks of POS (Point of Sale) in Nigeria as a Financial Inclusion Product." International Research Journal of Economics and Management Studies (IRJEMS). 1, no. 2 (2022): 39–44. https://doi.org/10.56472/25835238/IRJEMS-V1I2P106.

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This work is pivotal on the operations and downsides of the Point of Sale (POS) operators cum operations in Nigeria, a fusion of the prevalent advantages and the disadvantages of the business. It is an article reviewing the merits of their operations, the issues faced by merchants and their numerous customers, more importantly, are the shortfalls confronting the operators in relation to imminent issues attendant in their operations on occasions when there is bank network problem. However, this work takes cue from existing online articles most of which are recent to buttress and justify the pos

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TAIWO, JAMES ODEBOLA. "The Syzygy of the Operations and Drawbacks of Pos (Point of Sale) in Nigeria as a Financial Inclusion Product." Royal Journal of Business Management 2, no. 1 (2023): 46–54. https://doi.org/10.5281/zenodo.7659063.

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This work is pivotal on the operations and downsides of the Point of Sale (POS) operators cum operations in Nigeria, a fusion of the prevalent advantages and the disadvantages of the business. It is an article reviewing the merits of their operations, the issues faced by merchants and their numerous customers, more importantly, are the shortfalls confronting the operators in relation to imminent issues attendant in their operations on occasions when there is bank network problem. However, this work takes cue from existing online articles most of which are recent to buttress and justify the pos

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Taiwo, james Odebola. "The Syzygy of the Operations and Drawbacks of POS (Point Of Sale) In Nigeria as a Financial Inclusion." American Based Research Journal - ISSN (2304-7151) 11, no. 12 (2022): 01–08. https://doi.org/10.5281/zenodo.7515278.

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<em>This work is pivotal on the operations and downsides of the Point of Sale (POS) operators cum operations in Nigeria, a fusion of the prevalent advantages and the disadvantages of the business. It is an article reviewing the merits of their operations, the issues faced by merchants and their numerous customers, more importantly, are the shortfalls confronting the operators in relation to imminent issues attendant in their operations on occasions when there is bank network problem. However, this work takes cue from existing online articles most of which are recent to buttress and justify the

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Nwakanma, Chinegbomkpa Hope, and Ifeanyi P. Onyeonoru. "Human Resource Outsourcing and Skill Variety of Outsourced and Core Staff: Evidence from the Nigerian Banking Industry." Nigerian Journal of Sociology and Anthropology 19, no. 1 (2021): 41–61. http://dx.doi.org/10.36108/njsa/1202.91.0130.

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In Nigerian banking industry, Human Resource outsourcing has grown beyond the externalisation of auxiliary activities to include core activities. The consequences of this practice on employee skill variety are rarely discussed in the industry. This study therefore, investigated the skill variety of outsourced and core staff in Nigerian banking industry with evidence from Bank X, Southeastern region. Survey research design was adopted. Bank X was purposively selected due to its reputation for employing outsourced staff in its core banking operations while its branches in Abia, Imo and Enugu Sta

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Kokogho, Eseoghene, Ilerioluwase Emmanuel Adeniji, Taiwo Akindele Olorunfemi, Mark Osemedua Nwaozomudoh, Princess Eloho Odio, and Adedamola Sobowale. "Conceptualizing Improved Cash Forecasting Accuracy for Effective Currency Reserve Management in Nigerian Banks." International Journal of Management and Organizational Research 3, no. 6 (2024): 120–30. https://doi.org/10.54660/ijmor.2024.3.6.120-130.

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Effective currency reserve management is critical for maintaining financial stability and operational efficiency in Nigerian banks. Cash forecasting accuracy plays a vital role in ensuring the optimal allocation of currency reserves, minimizing liquidity risks, and meeting customer demands. However, Nigerian banks face persistent challenges in cash forecasting, including inaccuracies due to inadequate data integration, manual processes, and limited adoption of advanced technologies. This study aims to conceptualize an improved cash forecasting framework to enhance currency reserve management i

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Enebeli-Uzor, Sunday. "Digitalisation, Banking Stability and Nigeria's Economic Growth Trajectory." South Asian Journal of Social Studies and Economics 21, no. 7 (2024): 176–85. http://dx.doi.org/10.9734/sajsse/2024/v21i7853.

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The integration of digital technologies in banking operations has become a cornerstone of economic policy to promote financial stability and foster economic growth. This study examines the interplay between digitalisation and banking industry stability and economic growth in Nigeria. Annual time series data spanning 1981 to 2022, except for the digitalisation variable (web payment) which covers a shorter period, was collected from the Central Bank of Nigeria’s Statistical Bulletin. Using the Least Squares estimator to analyse the multiple regression model, the study found that digitalisation a

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Emmanuel, Yinka Lydia, Mishelle Doorasamy, Jerry D. Kwarbai, Peace Kolawole, Adegbola Olubukola Otekunrin, and Uche Abamba Osakede. "Relationship of Environmental Disclosure of Renewable Energy, Carbon Emissions, Waste Management, Water Consumption, and Banks’ Financial Performance." International Journal of Energy Economics and Policy 14, no. 2 (2024): 584–93. http://dx.doi.org/10.32479/ijeep.15488.

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In recent years, sustainable banking principles have been employed in the daily operations of deposit money banks in Nigeria. This study examines the relationship between environmental sustainability and the financial performance of 14 deposit money banks listed on the Nigerian Exchange Group. It focuses on the impact of environmental disclosure of renewable energy, carbon emissions, waste management, and water consumption (i.e. proxies for environment sustainability) on the bank’s return on assets (ROA i.e. proxy for financial performance). The research spans an 8-year period from 2013 to 202

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Efanga, UdemeOkon, Georgina Obinne Ph.D Ugwuanyi, Emmanuel Alphonsus Umoh, and AkanimoEdet Jonah. "A Panel Analysis of the Responsiveness of Commercial Banks' Profitability to its Capital Structure in the Nigerian Banking Sector." International Journal of Business Management and Technology 3, no. 6 (2023): 202–21. https://doi.org/10.5281/zenodo.7659693.

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The broad objective of this research is to evaluate the responsiveness of commercial bank’s profitability to its capital structure in the Nigerian banking sector, 2008-2017. Ex-post-facto research design was adopted. The traditional panel least square regression (PLSR) was used in the model. The study applied panel data models on annual data of the commercial banks within the scope. Panel data estimation allows for the control of individual-specific effects usually unobservable which may be correlated with other explanatory variables included in the specification of the relationship betw

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Afodigbueokwu, Hillary E. (ACA), and Dalington C. Ofurum. "Effect of Electronic Accounting on Operations of Selected Commercial Banks in Nigeria." International Journal of Trend in Scientific Research and Development 3, no. 5 (2019): 171–79. https://doi.org/10.5281/zenodo.3589669.

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This study examines the effect of electronic accounting on operation of commercial banks in Nigeria. Specifically the study sought to determine whether e accounting has restored customer's confidence on the safety of their fund and whether channel delivery system can sustain customer patronage. Survey research designs were adopted for the study. Data were collected through survey in which questionnaire was administered on a sample of 180 was purposively collected from population of selected banks. Data collected were analyzed by use of means and standard deviation and the formulated hypoth

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Uremadu, Sebastian O., and Edim N. Obim. "Effects of Deposit Mobilization on Financial Performance (Profitability) of Microfinance Banks in Nigeria." AKSU Journal of Administration and Corporate Governance 4, no. 1 (2024): 1–14. http://dx.doi.org/10.61090/aksujacog.2024.001.

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The study examined the effects of deposit mobilization on the financial performance of microfinance banks in Nigeria between 2012 and 2021. The study employed real interest rate and gross capital formation as control variables. This study utilized the exploratory research design and the population of the study consisted of all the microfinance banks in Cross River State and Abia State. A purposive/judgment sampling technique was used. Data for the study were obtained from the annual reports of various microfinance banks in the selected states in Nigeria. Regression models were estimated and an

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Christopher, Onu, Lawal Beatrice, Egbuta Olive, Egwuonwu Clara, Ayeni David, and Soetan Timothy. "Exploring the Effect of Cash Bonuses on Employees’ Innovativeness and Creativity in the Nigerian Banking Sector." International Journal of Management and Sustainability 11, no. 4 (2022): 248–57. http://dx.doi.org/10.18488/11.v11i4.3227.

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Employees’ performance is a major concern of organizational leaders, especially those in the human resources department. This paper, therefore, examined the effect of cash bonuses on employees’ innovativeness and creativity in deposit money banks in Nigeria. A self-administered questionnaire was used to source data from a sample of 364 employees working in various categories of nine (9) selected deposit money banks in Lagos State, Nigeria. Partial Least Squares Structural Equation Modelling (PLS-SEM) was used to test the hypothesis. The results indicated that cash bonuses have a significant ef

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Adeniyi, Adetunji. "Nigeria’s Bank of Agriculture: An Agenda for Organizational Renewal." Journal of Business Administration Research 10, no. 1 (2021): 41. http://dx.doi.org/10.5430/jbar.v10n1p41.

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Bank of Agric (BoA) was establish as a special purpose specialized financial institution to provide agricultural loans to deserving customers as a way to promoting access to affordable credit facilities to segments of the Nigerian society that have little access to the services of conventional banks while accepting savings deposits from customers and encouraging banking habits at the grass-roots. However, the performance of the bank has been below expectation because it has not fulfilled purpose. In a country like Nigeria of N200 million population, where agriculture currently provides about 5

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Ogunkoya, Olufemi, Oluwatobi Soremekun, Banjo Hassan, and Akeem Fadeyi. "Organisational justice and employee commitment in Nigeria banking sector." Development management 23, no. 2 (2024): 8–15. http://dx.doi.org/10.57111/devt/2.2024.08.

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Despite the potential benefits of incorporating organisational justice and employee commitment into daily operations, many organisations lack a long-term strategy for doing so, making it a pressing issue. Therefore, the purpose of this study was to analyse and examine organisational justice and employee commitment within the banking industry in Nigeria. The research collected primary data through the completion of 147 questionnaires out of a total of 192. The collected data underwent data testing and analysis through the application of descriptive statistics, multiple regression, and correlati

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Sani, Damamisau Mohammed, Ibrahim Mohammed Ahmed, and Garba Sunusi. "Credit Facility and Financial Inclusion and Development: An Evaluation of the Contribution of Jaiz Bank Plc 2013-2023." Journal of Economics, Finance And Management Studies 08, no. 04 (2025): 2251–65. https://doi.org/10.5281/zenodo.15234041.

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The main aim of this study is to evaluate the contributions of Jaiz bank in granting of loan facilities to interested and qualified Nigerian citizens in the banking system 2013-2023. To achieve this aim, quantitative secondary data on loan granted by Jaiz bank Plc and thirteen interest based commercial banks is collected from their annual reports and accounts. Collected data is analyzed using descriptive statistical tools of percentages, tables, charts and figures. Public policy analytical framework that aid in finding the usefulness or otherwise of public policies guided the conduct of the st

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Ahmed, Ibrahim Dodo, Mohammad Nura Ibrahim Naala, and Lawal Saulawa Gambo. "IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) INVESTMENT ON FINANCIAL PERFORMANCE OF LISTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Accounting, Management and Economic Review 1, no. 1 (2025): 170–94. https://doi.org/10.57233/ijamer.v1i1.10.

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The rapid integration of financial technology (fintech) into banking operations has transformed the global financial services landscape. Yet, the specific impact of fintech investments on the financial performance of Nigerian banks remains underexplored. This study examines how two categories of fintech investment, operational expenditure (FintechOpex) and capital expenditure (FintechCapex) affect Net Interest Margin (NIM) and Return on Assets (ROA) across twelve Nigerian commercial banks over the period 2014-2023. Using panel data techniques, we estimate Pooled Ordinary Least Squares (POLS),

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Omoregbe, Omorodion, Joseph Azage, and David Ikhide Alufohai. "INNOVATION STRATEGIES AND MARKET ORIENTATION IN SELECTED NIGERIAN BANKS." Oradea Journal of Business and Economics 7, no. 1 (2022): 45–61. http://dx.doi.org/10.47535/1991ojbe137.

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In an attempt at improving market orientation, management of organisations employ innovation strategies and practices that reflect this area of operation. Thus, this study investigated innovation strategies and market orientation in selected Nigerian banks. It specifically examined the effect of process, product, marketing and organisational innovation on market orientation among selected Nigerian banks. It is a field survey within a cross sectional time frame of 2021. A total of 399 management and senior staff of five deposit money banks with international affiliation constituted the sample s

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Nwude, E. Chuke, and Comfort Amaka Nwude. "Board Structure and Corporate Social Responsibility: Evidence From Developing Economy." SAGE Open 11, no. 1 (2021): 215824402098854. http://dx.doi.org/10.1177/2158244020988543.

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This article undertakes an empirical investigation on how firm board characteristics relate with corporate social responsibility disclosure (CSRD) in the banking industry of developing economies with a particular interest in Nigeria. The study focuses on a sample of 11 out of the 13 Nigerian listed national commercial banks which provide similar services and are subject to the same regulations and disclosure requirements by the Central Bank of Nigeria (CBN) from 2007 to 2018. Multiple regression analysis was employed on panel data obtained from the banks’ audited financial statements. The find

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Aderibigbe, Amos Adejare, Tunji Trimisiu Siyanbola, and Ibukun Olalekan Fadairo. "A Comparative Analysis of Nigerian Deposit Money Banks’ Performance Pre and Post-Adoption of IFRS 9." International Journal of Research and Innovation in Social Science VIII, no. IX (2024): 1676–87. http://dx.doi.org/10.47772/ijriss.2024.8090137.

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Implementing IFRS 9 in Nigeria brought with it both opportunities and challenges to the banking industry which require a thorough analysis. A lot of questions remain unanswered on how the implementation of IFRS 9 impacts banks’ bottom lines. This study aimed to assess how the adoption of IFRS 9 has affected the financial performance of Nigerian deposit money banks. The impact of the introduction of IFRS 9 on the performance of the DMBs in Nigeria was investigated by analyzing financial performance metrics, including return on assets (ROA) and return on equity (ROE). The study used Access Bank

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Oladapo, Olusola Gabriel, Gboyega Olopade, Olusola Michael Akinmoyewa, Ishaku Solomon Kachalla, Abuh Okpanachi, and Nash Fom Joseph. "Impact of International Financial Reporting Standards (IFRS) Adoption on Financial Performance Metrics of Deposit Money Banks in Nigeria." Path of Science 11, no. 5 (2025): 1007. https://doi.org/10.22178/pos.117-6.

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This study examines the impact of adopting International Financial Reporting Standards (IFRS) on the financial performance metrics of Nigerian deposit money banks. Using an explanatory research design and secondary data from eleven selected banks listed on the Nigerian Stock Exchange, the study analyses profitability (Return on Assets), liquidity (Current Ratio), and leverage (Debt to Equity Ratio) before and after IFRS implementation from 2011 to 2013. Regression analysis results reveal significant differences between Nigerian Generally Accepted Accounting Principles (NNGAAP) and Internationa

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Adebisi, S. A., P. S. Okonji, D. A. Adeeyo, and K. N. Ezebuiro. "The Impact of Environmental Management Strategies on Firm's Performance in Banking Industry: A Case Study of three Selected Banks (United Bank for Africa, Heritage Bank and Lotus Bank)." Gusau International Journal of Management and Social Sciences 6, no. 3 (2023): 22–44. http://dx.doi.org/10.57233/gijmss.v6i3.2.

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The objective of this research is to examine the impact of Environmental Management Strategies (EMS) on the performance of Nigerian banks. The study focuses on three key components of EMS, namely green financing initiatives, environmental risk management practises, and sustainable product offers. The study employed purposive sampling to gather data from high-ranking workers of three well-established institutions, namely United Bank for Africa, Heritage Bank, and Lotus Bank. The study collected both quantitative and qualitative data from study participants. The quantitative data was analysed us

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Ajufo, George, and Abubaker Qutieshat. "An Examination of the Human Factors in Cybersecurity: Future Direction for Nigerian Banks." Indonesian Journal of Information Systems 6, no. 1 (2023): 1–16. http://dx.doi.org/10.24002/ijis.v6i1.7278.

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Information and communication technology has become necessary for conducting business operations and ensuring business survival in Nigerian banks. However, this has come with some encumbrances, as this technology is vulnerable to attacks due to technical or human factors. These human factors have been very challenging for organizations due to their multi-dimensional nature and the fact that humans have been responsible for most cybersecurity incidents. Resolving issues arising from cybersecurity incidents is expensive and time-consuming. Therefore, this study is crucial as it will enable Niger

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Dr., Wike Chituru, and Horsfall Sunday Dr. "A Review of Capital Structure and Commercial Bank Liquidity Management in Nigeria." Scholarly Journal of Science and Technology Research and Development 4, no. 1 (2025): 75–86. https://doi.org/10.5281/zenodo.15306625.

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<em>This study reviews the impact of capital structure on commercial bank liquidity management in Nigeria. Focusing on eight Nigerian Deposit Money Banks over the period 2006–2021, the paper investigates how financing decisions—captured through the debt-to-equity and leverage ratios—influence profitability, measured by Return on Equity (ROE). Drawing on key theoretical frameworks, including Trade-Off, Agency, and Pecking Order theories, the research critically examines how internal and external financing choices affect bank performance. Empirical analysis using regression via

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