THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)

ABSTRACT

The project addressed itself with the evaluation of impact of universal banking concept in the financial service delivery of Nigeria with emphasis of first bank of Nigeria plc. Both primary and secondary data were collected to solve the research problem. The population of study comprised of the personnel of first bank of Nigeria, customers of the bank and officials of the central bank of Nigeria. The research instruments used for data collection were questionnaires and oral interview. tables, frequencies and percentages were used in presenting and analyzing the data collected. from the data analysis, the researcher came up with the following findings, among others: that universal banking scheme has led to the creation of level playing field for operators in both what was then the merchant and banks sub – sector as well as eliminating the dualism that typifies the industry. That universal banking scheme has engendered significant economies of scale for the financial industry in general and first bank plc in particular. The research thereby recommend that thought universal banking has its bottlenecks, the first bank of Nigeria Plc, should evolve policies to sustain the improvement recorded so far.

TABLE OF CONTENTS

Title pageii

Dedicationiii

Acknowledgementiv

Table of Contentsvi

Abstractvii

CHAPTER 1; INTRODUCTION

Background of the Study1

Statement of Problem6

Objectives of the Study8

Scope and Delimitation of Study8

Research Questions9

Significance of the Study10

Definition of Terms10

CHAPTER 2: REVIEW OF RELATED LITERATURE12

CHAPTER 3: METHODOLOGY AND RESEARCH DESIGN

Research Design41

Area of Study41

The Population and Sampling Technique41

Types and Source of Data42

Research Instrument42

Reliability and Validity of Instrument42

Method of data Collection43

Method of Data Analysis43

CHAPTER 4: PRESENTATION, ANALYSIS AND

INTERPRETATION OF DATA44

CHAPTER 5: DISCUSSION, IMPLICATION AND

RECOMMENDATION

Discussion of Result 54

Conclusion57

Implication of the Result59

Recommendation61

Suggestion for Further Study66

Limitation of the study66

References

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APA

Gerald, I. (2018). THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU). Afribary. Retrieved from https://tracking.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400

MLA 8th

Gerald, IKenna "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)" Afribary. Afribary, 29 Jan. 2018, https://tracking.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400. Accessed 24 Feb. 2026.

MLA7

Gerald, IKenna . "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)". Afribary, Afribary, 29 Jan. 2018. Web. 24 Feb. 2026. < https://tracking.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400 >.

Chicago

Gerald, IKenna . "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)" Afribary (2018). Accessed February 24, 2026. https://tracking.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400

THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)

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