ABSTRACT
This research work focuses on the Effect of Information
Communication Technology (ICT) on deposit mobilization and profitability of
banks in Nigeria.
It also revealed how computer technology is being used in taking strategic
decisions in an organization, with the usage of computer technology. It helps
to discover how efficiently and effectively the bank(s) are performing as
regards deposit mobilization and trend(s) in profitability. Some research
instrument(s) were used in this continuous writing were: Interview,
Questionnaire and Observations which were illustrated with charts and
(Chi-square). It starts with background of the study up to final recommendation
to the higher Authority.
TABLE OF CONTENTS
Title page
i
Certification ii
Dedication iii
Acknowledgement iv
Abstract v
Table of contents vi
CHAPTER ONE
1.0 Introduction
1
1.1 Background
of the study 1
– 2
1.2 Purpose
of the study 2
1.3 Statement
of the problem 2
– 3
1.4 Significant
of the study 3
1.5 Research
instrument 3
1.6 Scope
of the study 3
1.7 Organization
of the study 3
1.8 Limitation
of the study 3
– 4
1.9 Definition
of terms 4
- 5
CHAPTER TWO
2.0 Literature review 6
2.1 Introduction 6
– 8
2.2 Automated delivery
channels 8
2.3 Interactive television 8
– 9
2.4 Telephone banking 9
2.5 Internet banking 9
2.6 Effect of information
technology on bank customer 10
2.7 Effect of information on
deposit mobilization and profitability 10
2.8 U. B. A plc profile 10
– 12
2.9 U. B. A. Plc information
technology 12
– 13
2.10 Limitation of
computerization 13
2.11 United bank for Africa computer outfit
13
– 19
CHAPTER THREE
3.0 Research Methodology 20
3.1 Introduction 20
3.2 Population of the study 20
3.3 Sample and sampling
procedure 20
3.4 Sources of data 21
3.5 Research instrument 21
3.6 Methods of data collection
21
– 22
3.7 Problems of data
collection 22
CHAPTER FOUR
4.0 Data analysis and
presentation 23
4.1 Introduction 23
4.2 Data interpretation 23
– 26
4.3 Testing of hypothesis 26
– 28
4.4 General comment(s) 28
CHAPTER FIVE
5.0 Summary, conclusion,
recommendation 29
5.1 Summary 29
5.2 Conclusion 29
5.3 Recommendation 30
Appendix 31
– 32
References 33
CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The effect of information communication technology (ICT) in banks deposit
mobilization and profitability in Nigeria cannot be underrated, the technology
advancement has brought the introduction of computer system into the recent
banking operations.
The introduction of computer and communication technology in the banking industry
has been greatly facilitated by the level of awareness on the part of both management
and staff in the industry. Banks have geared up human and financial technology to
ensure that information communication technology is used to improve their
performance, cater for new customers segments and developed the market.
The basic objective of the application of information communication
technology, in any organization is the achievement of a radical improvement or quantum
leap in its business operations. This will involve redesigning the existing resources
with the expected outcomes of the organizational process. To achieve these objectives,
an effective and efficient information processing technology (computer) and information
transmission technology (communication) as a strategic response.
The American heritage Dictionary of the English Language defined a
computer as “a device or electronic machine that performs high spread
mathematical or logical calculation or that assembles, stores, collect or otherwise
process and print information device from coded data in accordance with a predetermined
program.
Furthermore, a computer is a highly complex electronic device that handle
enormous masses of data at unimaginable speed and perform in second’s calculation
that trained mathematical would take years to complete. It can be seem as
electrical device that accept DATA from an input device, performs arithmetical
and logical operation in accordance with pure-defined instruction and translate
the processing or in final printing from such as business documents, schedules
and management reports.
There are two types of computer, namely, the digital and analog computer and
uses computer language such a (FORTRAN, COBOL BASIC, ALGOL) into a machine
language modules or object programs.
The highly complex electronic device has major parts.
A. HARDWARE:
Subsystem, which equally has two parts;
THE CENTRAL PROCESSING UNIT (CPU) made up of
a.
(A. L. U) where all calculation and comparison are made
b.
Central and Memory / Storage: all data must be read
into memory before the computer can process them.
c.
Control Unit: This unit directs and control the
activities of all other sub-computer components of the entire computer system.
B. THE
PERIPHERALS: Which includes.
a. The input device card recorders,
paper, tape, reader, VOU and TT.
b. The
secondary storage device, which include cards, magnetic tape and magnetic disc.
C. SOFTWARE
SUBSYSTEM: This subsystem is grouped into two areas:
1. System programe, which consist of
a. Operating
system or supervisor program, as the name implies
b. Computer or language translator as another
type of system program, which
translate or control application programs into machine
language.
2. Application Program: Computer do
not understand the human language at the moment anyway, therefore language
called programming language. There is a group of computer which is called. “NETWARE
NETWORK” that are linked together so they can communicate and show resources.
1.2 PROPOSE
OF THE STUDY
The purpose of this project is to evaluate and analyze the effect of Information
Communication Technology (ICT) in United Bank for Africa.
This research work will serve as a guide to determine whether the computer has
been able to enhance operational effectiveness management control time accuracy
well as increased in deposit mobilization and profitability of the United Bank
for Africa and banks generally.
1.3 STATEMENT
OF THE PROBLEM
As far bank 1990, United Bank for Africa
has employed a system manager. This underlines the necessary of ICT in such a
large bank. Most branches except rural branches have been computerized.
However, the banking operation Information Communication Technology (ICT),
information system contained to be strictly before the introduction and installation
of computer, the banks were unable to meet their goals and objectives.
1.4 SIGNIFICANCE
OF THE STUDY
This study is excepted to provide the government, share holder and management
with the impact of computerization of banking information technology will enhance
banking services in Nigeria, through the provision of different services like
online banking, electronic transfer of fund (ETF), E-banking, Automatic Teller
Machine (ATM) telephone banking instead of the manual banking formerly practiced.
1.5 RESEARCH
INSTRUMENT
1. Ho: Information
Communication Technology has no effect on banks deposit mobilization and profitability
in Nigeria.
2. Hi: Information
Communication Technology has effect on bank’s deposit mobilization and
profitability in Nigeria.
1.6 THE
SCOPE OF THE STUDY
The scope of the study is limited to a Universal Bank (UBA) due to the time
frame and financial constraints and it involves round the activities and operations
of UBA plc.
1.7 LIMITATION
OF THE STUDY
Despite my interest in this research work, the real objective cannot be attained
due to some limitation over which I have no control, among there are: data collection,
time frame work, distance and financial constraints.
1.8 ORGANIZATION
OF THE STUDY
The study on the Effect of Information Communication Technology on banks
deposit mobilization and profitability in Nigeria bank having the United Bank
for Africa Plc as its case study in undertaken to highlights the need for computerization
of banking operation.
This study consider many things as it started with chapter one as an introduction
to the study. Background of the study, purpose of the study, statement of the
problem, significant of the study, organization of the study, limitation of the
study and definition of terms and brief profile of the case study.
Chapter two gives a broad meaning of information communication technology
which are the Literature review introduction of the study. Automated delivery channels,
Interactive television, Telephone banking, Effect of information technology on
bank customer, Effect of information on deposit mobilization and profitability,
U.B.A plc profile, U. B. A Plc information technology, limitation of computerization
and United Bank for Africa Computer outfit.
The empirical analysis for this study contained in chapter three which are
Research methodology introduction of the chapter, population of the study,
sample and sampling procedure, sources of data, research instrument method of
data collection and problems of data collection.
The chapter four of this project work also due with Data Analysis and Presentation,
Introduction of the chapter, Data interpretation, testing of Hypothesis and General
comment(s). The chapter five consist the last chapter of this project work with
the summary, conclusion and Recommendation Appendix and references.
1.9 DEFINITION
OF TERMS
It is pertinent to append a glossary of terms that are likely to be ambiguous
in this study.
APPLICATION CONTROL: control designed
to aid the completeness, accuracy and validity of processing in a particular application.
COMPUTER PROGRAM: A program which examine
the contents of clients computer files or perform operation e.g. calculators.
INFORMATION COMMUNICATION
TECHNOLOGY (ICT): Simple mean made of handling
of information by electronic means which involves access to storage of processing,
transportation or transfer and delivery.
QUESTIONNAIRE: Is a form containing a
list of question s to be answered or filled by the respondent. It is used for
collecting the needed data or information from the respondent.
RESEARCH: Is a systematic investigation
which include the process of gathering, analyzing, rewarding and reporting of
information of all fact necessary for the determination to prefer solution to
the related problem.
HYPOTHESIS: Are testable statement,
required facts and their interpretation to determine their validity as a
tentative solution to reasonable problem, having Ho as the alternative
hypothesis respectively.
NETWORK: simply mean a collective of computer and devices connected by communication
channel that allow users to shares data, information, hardware, and software
with other users.
KEYBOARD: A typewriter like device through which data
can be input to computer.
INTEGRITY: the state of being correct,
complete, uncorrupted or with moral fortitude.
MAGNETIC MEDIA: storage device for
computing data or files, in commercial system, Disks are used for data storage.
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