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Deployment of Electronic Banking System: The Nigerian Experience

机译:电子银行系统的部署:尼日利亚的经验

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摘要

All over the world today, there is a paradigm shift from the conventional method of banking for a technology-based method through the use of Information and Communication Technology (ICT). There is no doubt that the citizens of developed economies across the globe are already enjoying the full benefits of this new banking method generally referred to as electronic banking (e-banking). The same cannot be said of their developing economies counterparts who are still “struggling” to grasp the new banking method concepts. Nigeria as a developing nation has made a giant stride in the implementation of this new method of banking. In this work, the researchers investigated if the year of adoption of electron banking technology is dependent on bank customer’s age. To achieve that, 300 questionnaires were randomly distributed to bank customers. Out of this, 269 questionnaires were returned representing 89.7% of the distributed questionnaires. Again, about 7% (21) of the returned questionnaires were invalid, thereby leaving a total analyzed questionnaire of 248, representing 82.7%. The Chi-square statistic tool was deployed for the analysis. The result of the analysis showed that the year of adoption of electronic banking technology is dependent of the age of the bank customers in the study.
机译:如今,在全世界范围内,范式已从传统的银行方法转变为基于技术的方法,再到使用信息和通信技术(ICT)。毫无疑问,全球发达经济体的公民已经在享受这种通常被称为电子银行(e-banking)的新银行方法的全部利益。对于仍在“努力”掌握新的银行业务方法概念的发展中经济体同行而言,情况并非如此。尼日利亚作为一个发展中国家,在实施这种新的银行业务方法方面取得了巨大进步。在这项工作中,研究人员调查了采用电子银行技术的年份是否取决于银行客户的年龄。为此,向银行客户随机分发了300份问卷。其中,共返回269份问卷,占已分发问卷的89.7%。同样,大约有7%(21)个返回的问卷无效,因此分析的问卷总数为248,占82.7%。使用卡方统计工具进行分析。分析结果表明,采用电子银行技术的年份取决于研究中银行客户的年龄。

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