Journal of Business, Management & Accounts Studies
ISSN: 2581-7973
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THE IMPACT OF INFORMATION COMMUNICATION TECHNOLOGY ON BANK OPERATIONS (A STUDY OF POLARIS BANK NIGERIA PLC)
Author :
Bolaji, A. Seun, Hassan, K. Ibrahim, Dairo, O. Luqman and Shorimande, A. Gabriel
Corresponding Author:
Bolaji, A. Seun
Email
sbolaji462@gmail.com
Section :
Research Paper
Country :
Nigeria
Keywords :
ICT adoption ICT infrastructure Effectiveness of Bank Operation
Abstract :
The study investigated the impact of information communication technology on bank operations in Polaris Bank Plc. Despite the rapid growing adoption of the information technology tools to improve banking operations through the use of USSD code, online banking and real time gross settlement in Nigeria banks, there are still ineptitude service delivery, low productivity, loss of time and also an increase in the average operating cost which has made customers to be dissatisfied on the loopholes in the banking operation through technology. The study adopted survey research method and primary data was relied on. Simple random sampling and questionnaire was used to collect data from the respondents from the employees of Polaris Bank in Lagos State. 150 copies of questionnaires were administered to the employees and 118 copies were returned. The study employed descriptive statistics and regression analysis as method of data analysis. The finding revealed that information communication technology has positive and significant effect on Polaris Bank operations. The study recommended that the banks should emphasis on efficient utilization of the ICT enabled services such as credit and electronic cards to pay at retail outlets, points of sales (POS), phone banking, electronic payment debit, Automated Teller Machines (ATM), home banking, internet banking, mobile banking, personal digital assistant banking
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