Determinants of Technological Innovation Adoption and Banking Operations of Selected Deposit Money Banks in Nigeria (Published)
Banks are one the most important financial institutions that contribute efficiently to the growth of any economy. The banking institutions have contributed significantly to the effectiveness of the entire financial system as they offer an efficient institutional mechanism through which resources can be mobilized and directed from less essential uses to more productive investment; yet, there have been challenges confronting deposit money banks in Nigeria in form of governance process control, risk management, compliance and consulting, financial reporting and fraud audit. Therefore, the study examined the determinants of technological innovation adoptions and their effects on banking operations of deposit money banks in Lagos, Nigeria.The research designs adopted for this study was survey research design. The target population used for this study was employees of the selected deposit money banks in Lagos State, Nigeria. The sample size for the study is 397 and simple random sampling technique was adopted for the study. The research instrument was questionnaire which was validated by the supervisor and the reliability was 0.843. The data for the study was analyzed using simple regression analysis.The study showed that technological innovations have significant effects on banking operations in selected deposit money banks in Lagos State, Nigeria. The finding also revealed that ease of use has significant effect on operational efficiency of deposit money banks in Lagos, Nigeria with Adj R2 = 0.698; F-Statistic (df = 4, 432) = 190.224 and p-value = 0.000. The study revealed that compatibility has significant effect on operational structure of deposit money banks in Lagos, Nigeria with Adj R2 = 0. 556; F-Statistics (df = 4, 432). = 499.656 and p-value = 0.000.The study concludes that investment in technology will bring an improvement in the operations of deposit money banks in Nigeria. It is however recommended that the government through CBN should provide adequate security measures towards the various e-banking products in Nigeria. This will aid in reducing the rate of fraud and forgery in the banking industry and encourage investors which in turn will increase the banks’ cash inflow cum use of available fund for granting of credit facilities.
Citation: Salami, Saheed Olawale, Akande, Folorunso I., and Alalade, Y.S.A (2022) Determinants of Technological Innovation Adoption and Banking Operations of Selected Deposit Money Banks in Nigeria, European Journal of Accounting, Auditing and Finance Research, Vol.10, No. 1, pp.25-54
Factors Influencing Voice Message Service Acceptance among Mobile Phone Users in Nigeria (Published)
The aim of this study is to empirically establish a framework of consumers’ attitude and intention towards mobile advertising in Nigeria with particular focus on Voice Message Service (VMS). This study became necessary given that context specific studies conducted in the area of voice message service based mobile advertising since the advent of Global System for Mobile Communication (GSM) in Nigeria are lacking. The study replicated and extended a Chinese-based research model to a different context, namely Nigeria. We adapted constructs from the IDT, TAM, TRA, and by extension the TPB to under-pin the study’s conceptual framework. The unit of analysis comprised active mobile phone users in Nigeria. Two-stage multiple regression analysis was used in the modeling. The result from a convenience sample of 2,509 respondents in six geopolitical zones of Nigeria show that the three key factors affecting consumers’ attitude towards voice message service based mobile advertisements are compatibility, trialability and image. On the other hand, the study also revealed that the behavioral intentions of mobile phone users in Nigeria towards voice message service are as a result of attitude and perceived behavioral control. Interestingly, the voice message service based mobile advertising acceptance model was posited by the study. Overall, the study concludes that service providers and advertisers in Nigeria may need to revise their business models in line with these findings to reach out to their teeming VMS based mobile advertising consumers. A key recommendation is that the regulator in the telecom industry in Nigeria should mandate service providers to profile mobile phone users that subscribed to their network to be able to send them targeted VMS ads.
COMPATIBILITY OF PERSONALITY TRAITS WITH THE PROFESSION FOR FACULTY OF NURSING STUDENTS AT ASSIUT UNIVERSITY (Published)
Personality traits are major effective factors on learning approaches, educational achievements, employer’s job satisfaction and quality of care. This study aimed to investigate the compatibility of personality traits with the profession for Faculty of Nursing students at Assiut University. The descriptive research design was used on (307) first year nursing students. A self- administered questionnaire: was used to elicit the needed information. It comprised of the socio-demographic data sheet and Eysenck personality inventory. The main results indicated that the majority were single and their mothers were housewives and more than half aged 18 years old. The dominant personality among female students was neuroticism and extraversion. On the opposite, lie was the dominant personality among male students. Around two thirds of female students’ was compatible with the nursing profession, but only one third of male students’ was compatible. This study recommended that the Dean of Faculty of Nursing, Assiut university should include this personality test among the nursing entrance admission tests in order to select the best students those compatible with nursing profession. This could improve the quality of patient care.
The purpose of this study was to investigate the impact of compatibility and connectivity of Information Technology Infrastructure (ITI) on reliability and access of customer service delivery in the Nigeria commercial banks. The study selected 8 commercial banks out of the 20 commercial banks in Nigeria as to generalize her findings. The study conveniently selected 40 customers’ from the eight banks, thereafter a total of 40 copies of the questionnaire that is 5copies per banks was randomly distributed to the 40 customers of the banks and the 40 questionnaire were fully attended to and retrieved. Simple percentages, tables were used to analyze the respondent demographics, while the Spearman’s rank order correlation coefficient was used to analyze the four hypotheses; this was made easy with the use of statistical package for social sciences SPSS. The findings therefore revealed that compatibility and connectivity of ITI has strong and positive impact on reliability and access of customer service delivery. Therefore, the study has bridged knowledge by revealing that the two component of ITI used in this study impact on the two components of customer service delivery as used in this work. We, recommended that commercial banks should improve on their ITI compatibility and connectivity by training and retraining their IT personnel to be responsive to customer’s complaints, also should overhaul their ITI facilities regularity in other words by improving their facilities, so as to deliver quality service and access to service.