INTRODUCTION
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 and rapidly changing technology (Connel and Saleh 2004). In order to properly place themselves in favourable positions for competitions and be one of those corporations to be reckoned with in the new century, banks are making use of Internet to execute mobile banking, this developed from bringing PCs together to form local and Wide Area Networks through client/server technology.
Many banks have installed modern computer inter-connectivity backbone that would enable them achieve communications of data and multimedia over Internets, Intranets and Extranets. They also realise that they have to achieve not only management/staff wide computer literacy but what could be called information literacy i.e. knowing how to locate, analyse, store and use information. All staff and managers in a modern bank need to be able to search and gather data from several types of sources, analyse them, select relevant ones and organise them in such a manner to allow them make decisions based on the organised data.
TABLE OF CONTENTS
Approval Page
Declaration
Approval Page
Dedication
Acknowledgement
Table of Contents
CHAPTER ONE
INTRODUCTION
1.1. BACKGROUND OF THE STUDY
1.2. STATEMENT OF THE PROBLEM
1.3. OBJECTIVES OF THE STUDY
1.4. RESEARCH QUESTIONS AND HYPOTHESES
1.5. RESEARCH HYPOTHESES
1.6. RESEARCH METHODOLOGY AND SOURCES OF DATA
1.7. SIGNIFICANCE OF THE STUDY
1.8. SCOPE OF THE STUDY
CHAPTER TWO
LITERATURE REVIEW
2.1. INTRODUCTION
2.2. The View on Electronic Banking
2.3. Electronic Banking and the Common Banking Products
2.3.1 Telephone and PC Banking Products
2.3.2 The Card System
2.3.3 The Automated Teller Machine (ATM)
2.3.4. Cheque
2.4. The Entry of Nigerian Banks into Electronic Banking
2.5.1 Threats of Cyber-Crimes on the Nigerian Banking Premises
2.5.2 The Regulatory Challenges
2.5.4 Bank Customer Relationship
CHAPTER THREE
RESEARCH METHODOLOGY
3.1. Introduction
3.2Population of Study
3.3Sampling Techniques
3.4Sample Size
3.5Sources of Date
3.6Method of Data Analysis
CHAPTER FOUR
DATA ANALYSIS AND DISCUSSION OF FINDINGS
4.1. Introduction
4.2. Presentation and Analysis of Data
4.2.1. Qualification of Respondent
4.2.2 Working Experience
4.2.3 Cadre of Respondents
4.2.4 Professional Qualification
4.2.5 Department of Respondents
4.2.6 Threat to Electronic Bank
4.2.7 Threat Assessment
4.2.8 Respondent assessment of Unity Bank’s Electronic Banking System
4.2.9 Information Technology Training Program
4.2.10. Level of Electronic Banking
4.2.11.Improvement of Customer Satisfaction
4.3Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
5.1Summary
5.2Conclusion
5.3Recommendations
BIBLIOGRAPHY