- The Complete Research Material is averagely 52 pages long and it is in Ms Word Format, it has 1-5 Chapters.
- Major Attributes are All Chapters, Figures, Appendix, References.
- Study Level: BTech, BSc, BEng, BA, HND, ND or NCE.
- Full Access Fee: ₦4,000
Get the complete project »

CHAPTER ONE
INTRODUCTION
1.1. Background of the study
Mobile banking is an innovation that has progressively rendered itself in pervasive ways cutting across several financial institutions and other sectors of the economy. During the 21st century mobile banking advanced from providing mere text messaging services to that of pseudo internet banking where customers could not only view their balances and set up multiple types of alerts but also transact activities such as fund transfers, redeem loyalty coupons, deposit cheques via the mobile phone and instruct payroll based transactions(Vaidya 2011). The world has also become increasingly addicted to doing business in the cyber space, across the internet and World Wide Web. Internet commerce in its own respect has expanded in various innovative forms of money, and based on digital data issued by private market actors, has in one way or another substituted for state sanctioned bank notes and checking accounts as customary means of payments (Cohen 2001). Technology has greatly advanced playing a major role in improving the standards of service delivery in the financial institution sector. Days are long gone when customers would queue in the banking halls waiting to pay their utility bills, school fees or any other financial transactions. They can now do this at their convenience by using their ATM cards or over the internet from the comfort of their homes. Additionally due to the tremendous growth of the mobile phone industry most financial institutions have ventured into the untapped opportunity and have partnered with mobile phone network providers to offer banking services to their clients. ATM banking is one of the earliest and widely adopted retail e-banking services in Nigeria (Nyangosi et al. 2009). However according to an annual report by Central Bank of Nigeria its adoption and usage has been surpassed by mobile banking in the last few years (CBK 2008). The suggested reason for this is that many low income earners now have access to mobile phones. A positive aspect of mobile phones is that mobile networks are available in remote areas at a low cost. The poor often have greater familiarity and trust in mobile phone companies than with normal financial institutions.
1.2. Statement of the general problem
A fundamental assumption of most recent research in operations improvement and operations learning has been that technological innovation has a direct bearing on performance improvement (Upton and Kim, 1999). Strategic management in financial institutions demand that they should have effective systems in place to counter unpredictableevents that can sustain their operations while minimizing the risks involved through technological innovations. Only financial institutions that are able to adapt to their changing environment and adopt new ideas and business methods have guaranteed survival. Some of the forces of change which have impacted the performance of financial institutions mainly include technological advancements such as use of mobile phones and the internet. Since the beginning of e-banking Nigerian financial institutions have witnessed many changes. Customers now have access to fast, efficient and convenient banking services. Most financial institutions in Nigeria are investing large sums on money in information and communication technology (ICT). However while the rapid development of ICT has made some banking tasks more efficient and cheaper, technological advancements have their fair share of problems; for example they take a large share of bank resources, plastic card fraud particularly on lost and stolen cards and counterfeit card fraud. Thus there is a need to manage costs and risks associated with internet banking. It is crucial that internet banking innovations be made through sound analysis of risks and costs associated to avoid harm on banks performance. Bank performance is directly dependent on efficiency and effectiveness of internet banking and on the other hand tight controls in standards to prevent losses associated with internet banking. In order not to impair on their prosperity, financial institutions need to strike a balance between tight controls and standards in efficiency of internet banking. This is only possible if the effects of internet banking on financial institutions and its customers are well analyzed and understood. Mobile money has emerged as a strong competition to financial institutions in Nigeria. Initially cellular phones were developed to improve communication from the earlier primitive forms of communications such as smoke and drums. Financial institutions introduced ICT as an improvement to the banking channels. This has thus enabled bank customers’ access information relating to their accounts, (Tiwari, Buse and Herstatt, 2007.). In this regard mobile phone service providers have taken mobile money services deeper into the financial sector by offering a range of financial services through their networks.
1.3. Objectives of the study
The following would be the aims and objectives of this study
1. To examine the impact of internet banking on organizational productivity.
2. To examine the extent to which organizations in Nigeria make use of internet banking.
3. To recommend better ways of improving internet banking in Nigeria.
1.4. Research Questions
1. What is the impact of internet banking on organizational productivity?
2. What is the extent to which organizations in Nigeria make use of internet banking?
1.5. Research hypothesis
H0: internet banking does not influence organizational productivity
H1: internet banking influences organizational productivity
1.6. Significance of the study
The study will be crucial to emerging financial institutions as it will provide answers to the factors against the implementation of internet banking in Nigeria, prove of the success and growth associated with the implementation of internet banking and highlight the areas of banking operations that can be enhanced via internet banking. It is equally significant for bank executives and indeed the policy makers of the banks and financial institutions to be aware of internet banking as a product of internet commerce with a view to making strategic decisions. The study is also expected to give an insight on the state of mobile money services as a competition to the commercial banks in Nigeria and the factors that have greatly influenced its growth. Players in the financial institution sector and telecommunications industry will find the study useful as they can use the findings to strategize on how they can mutually benefit from this development. Finally, our study adds to the existing literature, and is a valuable tool for students, academicians, institutions, corporate managers and individuals who want to learn more about mobile and internet banking.
1.7. Scope and limitations of the study
This study is restricted to the impact of internet banking on organizational productivity.
Limitation of the study
Financial constraint- Insufficient fund tends to impede the efficiency of the researcher in sourcing for the relevant materials, literature or information and in the process of data collection (internet, questionnaire and interview).
Time constraint- The researcher will simultaneously engage in this study with other academic work. This consequently will cut down on the time devoted for the research work.
REFERENCE
Freedman, C. (2000), Monetary Policy Implementation: Past, Present and Future-‘’Will Electronic Money Lead to the Eventual Demise of Central Banking?’’ International Finance, Vol.3, No.2, pp. 211-227
Freixas, X. and J.C. Rochet (1998), Microeconomics of banking, MIT Press.
Friedman, B, (1999), the Future of Monetary Policy: The Central Bank as an Army with Only a Signal Corps?InternationalFinance, Vol.2, No.3, pp.321-338.
Goodhart, E. (2000). Can Central Banking Survive the IT Revolution? InternationalFinance, Vol. 3, No.2.pp.189-209.
Juniper Research, (2009). Mobile Banking Strategies: Applications, Opportunities and Markets 2010-2015.
Kariuki, N. (2005), Six Puzzles in Electronic Money and Banking IMF Working Paper, IMF Institute. Vol. 19.February.
Mcmillan&Schumaker (2001); Non-enforceable implementation of enterprise mobilization: and exploratory study of the critical success factors, Industrial Management & Data Systems, 105 (6), 786-814.
Prinz, A. (1999), Money in, the Real and the Virtual World; E-Money, C-Money, and the Demand for CB-Money, Netnomics, Vol.1, pp.11-35.
Santomero, A.M, and Seater J.J, (1986). Alternative Monies and the demand for Media of Exchange, Journal of Money, Credit and Banking, Vol.28, pp. 942-960.
Steven A. (2002), Information Systems: The Information of E-Business, New Jersey: Natalie Anderson, pp.11-36
Tarkka, J.(2002), The Market for Electronic Cash Cards, Journal of Money, Credit and Banking, Vol.34, pp.299-314.
You either get what you want or your money back. T&C Apply

You can find more project topics easily, just search
-
SIMILAR BANKING FINANCE FINAL YEAR PROJECT RESEARCH TOPICS
-
1. THE IMPACT OF EXCHANGE RATE VOLATILITY ON NIGERIA ECONOMIC GROWTH
» This study examined the Impact of Exchange Rate Volatility on Nigeria Economic Growth over the period of 29 years (1987 2015). Secondary data source w...Continue Reading »Item Type & Format: Project Material - Ms Word | 57 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
2. LIQUIDITY AND LOAN PORTFOLIO PERFORMANCE: EVIDENCE FROM THE NIGERIAN BANKING SECTOR
» ABSTRACT One of the major indicators of financial performance is profitability .Every stakeholder in the banking sector is interested in liquidity and...Continue Reading »Item Type & Format: Project Material - Ms Word | 132 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
3. EFFECT OF AUTOMATED TELLER MACHINE ON THE PERFORMANCE OF NIGERIAN BANKS
» Abstract This study investigates the effects of ATM on the performance of Nigerian banks. Available studies have concentrated on the significant dimen...Continue Reading »Item Type & Format: Project Material - Ms Word | 55 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
4. IMPACT OF PERSONNEL OUTSOURCING DECISION ON ORGANIZATIONAL PERFORMANCE OF BANK (A CASE STUDY OF STANBIC IBTC PLC)
» ABSTRACT Organizations are more competitive these days .To maintain competitive position, Firms are developing new strategies and introducing new tech...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
5. SOCIAL RESPONSIBILITIES OF COMMERCIAL BANK IN ECONOMIC DEVELOPMENT OF NIGERIA (A STUDY OF UNION BANK OF NIGERIA PLC AWKA BRANCH)
» CHAPTER ONE 1.0 INTRODUCTION 1.1 BACKGROUND OF THE STUDY Banking originate in ancient Mesopotamia where the royal palace and temple provided secure pl...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
6. THE IMPACT OF STRATEGIC PLANNING ON PERFORMANCE OF BANKS IN NIGERIA (A CASE STUDY OF ZENITH BANK OF NIGERIA PLC)
» ABSTRACT Strategic planning cannot be over emphasized on discussing the performance of bank, most especially Zenith Bank of Nigeria plc: Strategic pla...Continue Reading »Item Type & Format: Project Material - Ms Word | 39 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
7. IMPACT OF INTERNAL CONTROL SYSYTEM ON THE PROFITABILITY OF DEPOSIT MONEY BANKS IN NIGERIA
» CHAPTER ONE INTRODUCTION 1.1 Background of the study Banking is a financial intermediary service which is the link between two units of the economy, t...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
8. THE IMPACT OF TRAINING AND DEVELOPMENT OF HUMAN RESOURCE AS A CRITICAL FACTOR IN THE BANKING SECTOR
» ABSTRACT This research work on the impact of training and development of human resource as a critical factor in banking sector a case study of First b...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
9. THE ROLE OF MICRO FINANCE BANKS IN ENHANCING ENTREPRENEURSHIP AMONG WOMEN IN NIGERIA
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY Effectively functioning financial markets like micro finance banks have fundamental roles to play...Continue Reading »Item Type & Format: Project Material - Ms Word | 70 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
-
10. THE IMPACT OF CAPITAL MARKET ON ECONOMIC GROWTH AND DEVELOPMENT IN NIGERIA
» TABLE OF CONTENTS Title page i Declaration ii Certification iii Dedication iv Acknowledgement v Table of Contents vi Abstract x CHAPTER ONE 1.0 Introd...Continue Reading »Item Type & Format: Project Material - Ms Word | 68 pages |
Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT