Prospect Of Computerization In The Banking Industry
(A Case Study Of United Bank For African Plc)
The importance of banking industry to every economy cannot be ignored. Bank is a place where all financial transaction of an economy impinges on.
On the other hand, the impact of computers in alleviating some of the problems encountered by banks cannot be over-emphasized.
Computer is seen as the most needed tools of improving banking transaction has not been well adopted by all banks in the Nigerian economy. Some banks see it as a means of upgrading their chequering up, transactions and keeping necessary data for customers for loans, advances and other services. Banks, which have gone into computerization, have observed that the positive prospect surpasses its negative prospects.
This research therefore aims at showing the actual contributions of computer to the banking industry and the negative effects experienced by the banks that are yet to go into computerization.
However, in case of the prospects and problems relating to computers, the researcher used both primary and secondary data and other related literature on the study topic in addition to this research being a case study, the researcher used a sample size drawn from UBA Plc in both their accounts and computer departments.
The recommendations and conclusions were based on advising banks and other financial institutions to introduce the use of computer in their transactions.
A general summary showed whether its contributions has actually led to the development in this industry and also indicated that computers use increased the efficiency and effectiveness of operations.
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Title page i
Approval page ii
Dedication iii
Acknowledgement iv
Abstract vi
Table of contents viii
CHAPTER ONE
INTRODUCTION 1
1.1 Background of the study 1
1.2 Statement of problem 4
1.3 The objective of the study 5
1.4 Scope of the study 6
1.5 Research questions 7
1.6 Significance of the study 8
1.7 Definition of terms 8
CHAPTER TWO
2.0 Review of literature 13
2.1 Introduction to organizational concepts 13
2.2 The evolution of computer 15
2.3 The role of computer system in modern banking operation 17
2.4 The structure of a computer system 19
2.5 Computerization of customers’ banking in the Nigerian banks 22
2.6 Computer and information system 25
2.7 Criteria for using computers 26
2.8 The prospect of computerization in banking 27
2.9 Customer services and computer application in the banking sector: the computerized services 34
2.10 Misconceptions about computer 36
2.11 Banking operations 37
2.12 Obstructions to customers’ application in nigeria banks 39
CHAPTER THREE
3.0 Research Methodology 42
3.1 Research design 42
3.2 Area of study 43
3.3 Population 43
3.4 Sample and sampling techniques 43
3.5 Research Instrument 45
3.6 Method of data collection 46
3.7 Method of data analysis 46
CHAPTER FOUR
4.0 Data presentation and analysis 48
4.1 How computerized do you consider
your bank’s services to be? 48
4.2 Are you computer literate? 49
4.3 Hypothesis testing 57
CHAPTER FIVE
5.0 Discussion, implication and recommendation 69
5.1 Summary of findings 69
5.2 Recommendations 71
5.3 Computer services distinguished 72
5.4 Accountant and computers 73
5.5 Conclusions 74
Reference 77
Appendix 79
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