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CONSUMER APPRAISAL OF THE IMPLEMENTATION OF ELECTRONIC BANKING SYSTEM IN NIGERIA

Keywords: Perception , Electronic , Banking

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Abstract:

This paper tries to find out consumer perception on service delivery in banks since the implementation of electronic banking. It also brings out the problems of electronic banking in Nigeria. Three research objectives guided the study and primary data were collected through interviews and questionnaires. Data were analysed descriptively. Results show that though many banks have adopted information technology (IT) facilities for electronic banking yet their service delivery were not quite efficient. This resulted in long consumer queues in banks and difficulties in banking transactions. Some problems with e banking center on unreliable facilities required for e banking, epileptic power supplies, incompetent IT staff etc. Some of the recommendations centre on improvements in the area of banking staff and internet facilities so that the laudable objectives of e banking will be realized in the Nigerian society.

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