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CHALLENGES OF ELECTRONIC BANKING IN CASE OF COMMERCIAL BANK OF NIGERIA, FIRST BANK
Abstract
The study aims at assessing Challenges of Electronic banking in commercial bank of Nigeria, First Bank. This research used descriptive type of research design which describes the performance and challenges of e banking as it is. The research employed both primary and secondary types of data and primary data were gathered through questionnaire that had both open and closed end questionnaires. The general populations of this research were 2532 e banking customers of Commercial Bank of Nigeria First Bank. The researcher employed convenient sampling technique since the research assumed only those customers who use electronic banking from the bank. The collected data was analyzed using descriptive statistics such as frequency and percentage. To exploit the benefit of E-banking system, the bank needs to familiarize its customers with the processes and benefits of the system. The bank should strengthen its ICT department through providing training to IT personnel and procuring required hardware and software. The lack of legal and regulatory framework for e-banking services has discouraged banks from introducing this innovative e banking technology. Thus, government should issue laws that govern electronic payment. This helps financial service providers introduce innovative products currently in use around the world which are cost effective, efficient and safe.
Keyword: E banking,