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PROJECT TOPIC: E-BANKING AND OPERATIONAL PERFORMANCE OF DEPOSIT TAKING BANKS IN NIGERIA. A CASE STUDY OF ZENITH BANK OF NIGERIA

Project Body:


CHAPTER ONE

INTRODUCTION

1.1.        Background of the Study

The resultant of technological innovation has been the transformation in operational dimension of banks over some decades. Internet technology has brought about a paradigm shift in banking operations to the extent that banks embrace internet technology to enhance effective and extensive delivery of wide range of value added products and services.

The importance of banking industry in the world cannot be sidelined. The new millennium brought with it new possibilities in terms of information access and availability simultaneously, introducing new challenges in protecting sensitive information from some eyes while making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands from banks to serve their customers electronically (Huang, 2011). Banks have traditionally been in the fore front of harnessing technology to improve their products and services.

 

The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate (Sabourhi, 2011). Information and Communication Technology (ICT) is at the centre of this global change curve of Electronic Banking System in Nigeria today (Stevens, 2006). Assert that they have over the time, been using electronic and telecommunication networks for delivering a wide range of value added products and services, managers in Banking industry in Nigeria cannot ignore Information Systems because they play a critical impact in current Banking system, they point out that the entire cash flow of most fortune Banks are linked to Information System (Odutola, 2007).


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