ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN OPERATING ENVIRONMENT AN EMPIRICAL STUDY OF BANK IN LAGOS STATE


ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN OPERATING ENVIRONMENT AN EMPIRICAL STUDY OF BANK IN LAGOS STATE

Type: Project Materials | Format: Ms Word | Attribute: Documentation Only | Pages: 75 Pages | Chapters: 1-5 chapters | Price: ₦ 3,000.00

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ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN OPERATING ENVIRONMENT AN EMPIRICAL STUDY OF BANK IN LAGOS STATE

ABSTRACT

The project highlight the important of Electronic banking and the challenges of the Nigerian operating environment: An empirical study of banks in Lagos State.

 

It shows the usefulness of electronic banking activities and now it help in achievement of the overall objectives of an organization.

 

The project is divided into five chapters, the first chapter contain the General Introduction which feature the aim of the project and objectives.

The second chapter explain the definition of concept, types of electronic banking, function of electronic banking, consideration and effect of electronic banking system.

 

The third chapter deal with the skeletal frame work of the study with various techniques and procedures used in data collection and analytical treatment data.

 

The filth chapter include data presentation and analysis of finding that are collected from respondents throughout, and all tools used in sourcing for data.

 

The conclusion involve summary and finding, recommendations, conclusive part and references.

 

 

 

 

TABLE OF CONTENTS

Title page

Certification

Abstract

Acknowledgement

Table of contents

 

Chapter One

1.0    Introduction

1.1    Background of the study

1.2    Statement of the problem

1.3    Research questions

1.4    Objective of the study

1.5    Research hypotheses

1.6    Significance of the study

1.7    Scope and delimitation of the study

          References

 

Chapter Two

2.1    Literature Review

2.2    The nature of electronic banking

2.3    Challenges for bank supervisors

2.3.1 Features of the Nigerian Payments System

2.3.2 Development of electronic banking system in Nigeria

2.4    Features of electronic Banking system

2.4.1 Statetic and technical issues for Central Bank of Nigeria

2.4.2 Policy recommendation

          References

 

Chapter Three

3.1    Research methodology

3.2    Introduction

3.3    Research design

3.4    Population of study

3.5    Sample size

3.6    Restatement of research question

3.7    Restatement of research hypothesis

3.8    Data collection method

3.9    Data analysis method

3.10  Limitation of study

          References

 

Chapter Four

Data Analysis and interpretation of result

4.0    Introduction

4.1    Data Analysis

 

Chapter Five:

Summary of findings, conclusion and recommendation

5.0    Summary of findings

5.1    Conclusions

5.2    Recommendation

          Bibliography

          Questionnaire

CHAPTER ONE

 

1.0    INTRODUCTION

A Bank for International Settlement (BIS) workshop on electronic banking was held on 2-3 July 2001, focusing on current and potential; change in exchanges and trading system payment-system and financial institutions.

 

This overview is based on the presentations given during the workshop, some of which included in this volume, and ensuring discussions.

 

The most significant development of the millennium which has substantially influenced business operation in the world is the emergency of the information age. The remarkable progress achieved in information and communication technology (ICT) has made it possible for information to be digitalized and transmitted faster and cheaper in mega or terrabytes taking advantage of rapid technology. Progress and innovation product for making payment have been developed in recent years. Payment involves the transfer of monetary value for one person to another thus, a payment system consists of rules and technologies that make the exchange of payment possible.

 

However, transaction made using these innovation products are accounting for an increasing proportion of the volume and value of domestic and cross border retail payments. Currencies are notes are converted to data. Which are transmitted through telephone lines and are converted to data, which are transmitted to satellite transponders (Ovia 2002).

 

These new financial services created through electronic banking system have resulted m a Substantial reductions in financial cost and in the case of transfer of funds. Electronic banking system otherwise e-payment system consisting of electronic mechanisms, which make the exchange of payment possible. It can simply be define as payment or monetary transactions made over the Internet or a network of computers Internet, (kulkarni 2004). In other words it involves the provision of payment services and transfer through devices which include Telephones, Computer Internet, Automated teller machine (ATM) and Smart Cards it is a paperless system of payment which involve the case of cheques.

 

Infact, electronic banking system can be broadly classified into two group namely wholesale payment system exist for non-consumer transaction that is large value payment initiated among and between banks government and other financial services firms.

 

1.1    BACKGROUND OF THE STUDY

The need for electronic banking in particular nation and the challenges facing them cannot be overlook simply because it serve as a stepping stone for economic and financial sector development of the nation.

 

Many developed countries of today do not stay with development and survival of electronic banking because they know how it's important to their' economic and financial sectors.

Besides, the history of electronic banks. Started in 1990 where the interest and other innovative information technology (IT) have affected the financial system greatly, such as moving from restricted proprietary system to open networks.

 

Since mid-2002 there has been a correction In public perceptions about Internet related activities sharp in general, as reflected in the sharp falls in the price of high tech stocks and disillusion with the earlier electronic commerce as financial services are information ­commerce euphoria. However these was less speculative mania surrounding application of the Internet in the financial industry. Perhaps due to the moderating rule of supervisors and improved information technology management (IT) following the Y2K experiences.

 

In many ways, electronic banking/ finance would see one of the most promising area of electronic - intensive and often require no physical delivery it is now realized that there are some relatively simple but time - sensitive product such as banking is very successful and other where it has be very successful and other where it has be very slow to catch on (e.g. electronic -money, e -insurance).

 

There are some area where new Internet based technology may be transformation allowing (or forcing) a fundamental redesign of market architecture.

 

In other, it will give rise to new business models, but in some area it will have little impact (e.g. banks cooperation advisory work) as well as its transformational impact. The network/internet could represent a modem example of an old problem of banks.

 

A very rapid expansion of lending to a single industry based on excessive enthusiasm about a new technology (earlier example include steam, rail electricity, car and radio) whose implication are hard to predict. The differences this time may be that the technologies also directly affect the banking system itself.

 

Interest, policy maker face uncertainty about which part of the financial system will come under stress, (Tuner 2001). They generally wish to be technology guideline and neutral/balancing the desire to set regulatory guideline before market development go too far and too quickly (given that with financial rises, prevention is better than cure) against the risk that a heavy handed regulatory approach may stifle innovation.

 

There are differences in the way authorities in various economics have responded to those trades - offs. Some Asian and European economies favour limiting electronic banking to regulated institutions while the united states trend to favour a more hand-off approach (albeit with frequent on site reviews of unregulated services providers. 

ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN OPERATING ENVIRONMENT AN EMPIRICAL STUDY OF BANK IN LAGOS STATE

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The most significant development of the millennium which has substantially influenced business operation in the world is the emergency of the information age. The remarkable progress achieved in information and communication technology (ICT) has made it possible for information to be digitalized and transmitted faster and cheaper in mega or terrabytes taking advantage of rapid technology. Progress and innovation product for making payment have been developed in recent years. Payment involves the transfer of monetary value for one person to another thus, a payment system consists of rules and technologies that make the exchange of payment possible... banking and finance project topics

ELECTRONIC BANKING AND THE CHALLENGES OF THE NIGERIAN OPERATING ENVIRONMENT AN EMPIRICAL STUDY OF BANK IN LAGOS STATE

Project Information

  • CATEGORY : BANKING AND FINANCE
  • TYPE : PROJECT MATERIAL
  • FORMAT : MICROSOFT WORD
  • ATTRIBUTE : Documentation Only
  • PAGES : 75 Pages
  • CHAPTERS : 1 - 5
  • PRICE : ₦ 3,000.00

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