WILLIAMS, VICTOR CHINAZA (2025) IMPACT OF ELECTRONIC PAYMENT ON PROFITABILITY OF DEPOSIT MONEY BANKS IN NIGERIA (2014-2024). Other thesis, GODFREY OKOYE UNIVERSITY, ENUGU.
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Abstract
This study investigates the impact of electronic payment systems on the profitability of deposit money banks in Nigeria over the period 2014–2024. With the increasing adoption of digital banking platforms such as Automated Teller Machines (ATMs), mobile banking, and internet banking, Nigerian banks have witnessed a significant transformation in service delivery and financial performance. The study employed a quantitative research design, utilizing secondary data drawn from the annual reports of Zenith Bank, Access Bank, and First Bank, as well as statistical reports from the Central Bank of Nigeria (CBN) and the Nigeria Inter-Bank Settlement System (NIBSS). Panel regression analysis was used to evaluate the effects of each electronic payment channel on profitability, measured by Return on Assets (ROA), while controlling for bank size and capital adequacy. The findings reveal that ATM transactions significantly enhance bank profitability, mobile banking positively influences customer satisfaction, and internet banking contributes to improved operational efficiency by reducing cost-to-income ratios. The study concludes that electronic payment systems are instrumental in improving the overall performance of deposit money banks in Nigeria and recommends increased investment in secure, reliable, and customer-friendly digital banking infrastructure.
| Item Type: | Thesis (Other) |
|---|---|
| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting |
| Divisions: | Faculty of Management and Social Sciences |
| Depositing User: | Uchenna Eneogwe |
| Date Deposited: | 19 Jun 2026 14:43 |
| Last Modified: | 19 Jun 2026 14:43 |
| URI: | http://eprints.gouni.edu.ng/id/eprint/5849 |
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