ABSTRACT

The study appraise Electronic Payment systems in the Banking industry; A Study of First Bank Plc. The main objectives of the study are to ascertain the effectiveness of e-payment in First Bank and to determine the level of security in the e-payment products and platform of First Bank. In carrying out the study, survey design was employed. The population of the study comprises the entire two thousand five hundred staff of First Bank Plc in Lagos. By means of convenience sampling technique, a sample size of 145 was drawn from the population and this figures represent the number of those that properly filled-out and returns the questionnaire on the spot. The study found that Epileptic power supply to a large extent affects the effectiveness of e-payment in First Bank and that e-banking products and platform of First Bank is secure and acceptable by the respondents. It was recommended based on the findings that Central Bank of Nigeria should ensure that the cashless policy is extended to other states in the country so as to extend e-payment to all state in the country.  Also, the CBN need to consolidate on its achievements by introducing more beneficial policies and sanctions where necessary.

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