CHAPTER ONE

1.1      INTRODUCTION

The world continues to witness rapid technological changes which directly impacted positively on global economy.  The technological change corresponding had impact on our operating environments.  The forces of globalization have continues to advance. While competition in banking industries across the world grows more intense by the day.  Nigeria’s banking industry has not been spared from the growing competition.  Banks now have continued quest to open up and develop more markets, and the on-going conversion of some merchant banking operations to commercial banking operations.

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5. 5. Direct citing (if referenced properly)
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