Although a lot of research works has been done on the prospects and challenges of Information Technology in the banking industry, theses research works are broad based and only few are actually carried on Electronic Banking (E-banking). Modern banks now realise that only those that overhaul their payment service delivery and operations are likely to survive and prosper in the 21st century (Opara et al, 2010). This is due to pressure of globalisation, consolidation, privatisation, deregulation an... read more

Human Resource is a management approach that is aimed at understanding how psychological and social process interacts with the work situation to influence performance. Human relations are the first major approach to emphasize information work relationship and work satisfaction. As global workplace becomes a reality, companies, both large and small require human resource. The oppressive nature or informal, email and mobile phone now ensures that a manager is continually fed with information. H... read more

The United bank for African plc has it’s antecedents rooted in that of its processor. British and French bank limited. The British and French bank Limited itself, metamorphosed from Banque National Pource commerce et al industries of paris (establish in 1952) Massrs E.G. Humgerbulher and C.H. Baker arrived in Nigeria in the early 1949 from BNCL, Paris. But men made the British and French bank, Mr. Hungenblulen left shortly after the bank was established while Mr. Baker stayed back for few y... read more

Before the emergence of modern banking system, banking operation was manually done which lead to a slow down in settlement of transactions. This manual system involves posting transactions from one ledger to another which human handles. Figures or counting of money which should be done through computers or electronic machine were computed and counted manually which were not 100% accurate thereby resulting to human errors. Most bank then use only one computer in carrying out transactions which am... read more

Marketing concept is a customer oriented philosophy which states that customer’s satisfaction is the economic and social justification of firm’s corporate existence. These philosophies hold that the company should be customer oriented. Strive for profitability. Sales volume and coordinate all its marketing activities. Marketing management however is the vehicle that business uses to capture the marketing concept. Kurtz (1992. Pg 3) defines marketing management as a unifying approach marsh... read more

Commercial banking in Nigeria dated back to 1892, when what emerged as the bank of British West Africa (now bank of Nigeria) was established. This was followed in 1917 by the Barclays bank now Union Bank of Nigeria. The Nigeria banking scene was monopolized by these two banks until 1933 when the national bank of Nigeria ltd was established. The first successful indigenous commercials bank in the country was established, (though in October 1992, the national deposit insurance corporation NDIC)... read more

Planning is required in all forms of decision making in order to ensure an effective and efficient utilization of available scarce resources. The resources to satisfy the basic needs of the people and relatively scarce in relation to their demand. Therefore, there is need to plan for available resources in such a way that maximum satisfaction could be attained with minimum resources. In planning consideration has to be given to the form of control that should be exercised to ensure that the p... read more

The Nigerian banking industry has witnessed tremendous changes and expansion since the mid 1980s. Unfortunately the growth and expansion in the sector are not the manifestation of a sound or vibrant banking system known anywhere in the world. Most banks in Nigeria are characterized by inadequate capital base, poor services, high rate of bankruptcy, lack of management expertise, bad debt syndrome and greater exposure to fraud. In addition, many have poor database and lack of reliable information ... read more

Customer Satisfaction is perception of customer about a company and in relation to whether his or her expectation is met or not (Praline, 2007). Over the years a feeling of discontentment among customers and users of bank services developed gradually with regard to irregular rendering of banks statement delay in clearing and crediting changes lodged, failure to receive prior guidance and endless queues at the banking hall and numerous other frustrating and organizing experiences of customers ... read more

The rapidly unfolding development within the information technology in recent times has led to resurgent calls for monies towards an effective cash management through Electronic banking (i.e. E-Banking). In the last few years, within the banking industry in Nigeria several commercial products have designed by banks to improve the qualities of services provided to customer. These products were also designed to meet the increasingly sophisticated needs of finance managers in a cross section or org... read more

Marketing is a social phenomena and great stimulus for economic progress of most societies in the world. Marketing practice makes improvement productivity possible and gives the society the improve standard of living that is required for dynamic society. Every organization whether it’s a product or a services oriented needs marketing strategy for its products or services to be existing and potential customers in other generate more revenue, make profit and remain in business. The role of ma... read more

In developing countries like Nigeria small-scale businesses serves as the foundation upon which industrial development is based. This is because small – scale enterprises promote stable industrial base and ensure a balanced distribution of industrial development (NwankoG.O 1991). However, a close look at the performance of small – scale businesses in Nigeria portrays a situation of neglect, apathy and general underdevelopment. This situation had seriously hampered the rapid growth of this... read more

In an increasingly competitive banking environment which is characterized by frequent changes in the regulatory environment, high cost of operations, dim misting spreads on profit from business as a result of sharp practices and the restriction imposed by unstable political and economic climates. It is imperative that who are able to detect irregularities and monitor discrepancies before impose a cost burden on the bank. The relevant of the forgoing emphasis is underlined by the fact that in ... read more

The importance of the banking industry in the Nigerian economy cannot be overemphasized. Banks have been credited with an enable image of being an important source of capital for the development of the economy. This recognition drives largely from an assumed role of most banking institution in mobilizing various deposits channeling them towards profitable investment outlets. To the extent of the size, type and level of such investment along with other complementary factors that contribute to the... read more

Fraud have been or become a common feature in all aspects of business life in Nigeria. It has assumed a predominant dimension in the banking industry such that it now constitutes serious threat to the proper practice and spread of the Nigeria. Millions of naira are lost through the machine of either to account holders or bank officials or account holders in collaboration with bank officials. The offence ranges from the falsification of entries, forgery of signatures of accounts holders, to that... read more

Training and development has become an increasing and necessary tool of personnel and human resources management in any organization. The growth of an organization is likely to be limited more by the quality and number of its personnel than any other factors. Because of the changing nature of business environment due to modern technology, organizations have to adopt themselves in order to survive and grow up. To achieve this, the need for effective training and development ought to be serious... read more

Although a lot of research works have been done on the prospect s and challenges of information. Technologies in the banking industry, these research works are board based (E-banking). Opera etal, (2010), posits that, modern banks now realize that only those that overhaul their payment services delivery and operations are likely to survive and prosper in the 21st century. Connel and Saleh (2004) are of the view that, due to pressure of globalization, consolidation, privatization, deregulation a... read more

Banking is generally known to have started by seventeenth century goldsmith, since they has volt facilities. As individual keep their gold coins with the goldsmith, the business expanded and an association was formed. This gives rise to the emergence of merchant and private banks. Banks have been accused of taking too much risk in unexplored new instrument and line of business. The advice being given to bank is to avoid further exposure of risk in the activities. The main focus of this res... read more

It is incontrovertible that the banking system is the engine of growth in any economy, given its function of financial intermediation. Through this function, banks facilitate capital formation, lubricate the production engine turbines and promote economic growth. However, banks’ ability to engender economic growth and development depends on the health, soundness and stability of the system. The need for a strong, reliable and viable banking system is underscored by the fact that the industry i... read more

The role in which the computer plays in our everyday lives cannot be overemphasized. In fact, the computer is one of the greatest things that has happened to mankind and it should not be seen as a mere invention but a “revolution”. One may be wondering how the world would be without computers and how we would actually cope without it. Before the advent of computers in early 1980’s, most of man’s jobs were performed manually and mentally, which were tedious and tiring and of course, th... read more