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and capital.
intensive economy.
economic agents
1
6) It reduces transaction and coordination costs
chapter five.
TABLE OF CONTENT
2
Title page - - - - - - - - - i
Certification - - - - - - - - ii
Dedication - - - - - - - - iii
Acknowledgement - - - - - - - iv
Abstract - - - - - - - - - vi
1.7 Hypothesis - - - - - - - 24
3
1.8 Conceptual framework - - - - - 25
3.2 Population - - - - - - - 76
3.3 Sample - - - - - - - - 76
4
3.6 Reliability of the instrument - - - - 79
AND INTERPRETATION
4.1 Introduction - - - - - - - 80
5.1 Summary - - - - - - - - 88
5.2 Conclusion - - - - - - - 89
Reference - - - - - - - - 91
Appendix - - - - - - - - 98
CHAPTER ONE
5
INTRODUCTION
2. Biotechnology
6
agents of the techno -- economic paradigm (being at
7
alter the fundamental nature of product and processes.
dimensions.
8
Wilson (1993). Frei and Harker(1997). Freund, konig
9
necessarily contribute positively to productivity. Such
technology.
11
In spite of the differing views about the impact of
12
development in developing countries.
13
in the fields of semi-conductor technology (the
14
and other architectural issues for several years.
15
overall traffic per inhabitant is less than one minute
Table 1.
16
ICT KINGDOM STATES
Personal 68 0.38 60 74 60 147
computers
Main lines 72 0.36 82 72 74 92
Internet 22 0 22 60 78 238
hosts
Television 101 5.5 95 90 100 127
sets
development
17
greater private sector participation has helped to
18
reducing prices and spreads, undermining geographic
According to her:
that:
21
understanding of subjects. Based on this realization,
present decade.
23
payoff of information technology utilization in
Nigeria economic.
24
Nigeria banking sector.
banking industry.
27
1.6 Research Questions
level of adoption?
banking industry?
of Nigerian banks?
the study:
28
HO1: There is no significant difference in the
components namely:
29
Technique- The specific configuration of machines
30
scientific and technological capacity. These objectives
graphics.
32
conglomeration of electronic and other devices that
33
in a production function. Production is the creation of
level of output.
34
The concept of efficiency on the other hand seeks to
35
bank statements and such like.
36
of profitability helps firms solve the problem of
37
(net profit divided by total asset) and so on.
Result?
Delays in
Long Restricted Confirmatio Long
Customer Interbank n banking
queues operations Of balances, time
clearing of
cheques
and other
services
Increased Increased
Diversified Faster
Capacity of profitabilit
Product service
building of y and
mix Delivery to
staff and productivit
customers
positive y
changes in
38
structure of
employment
39
distinguishing factor between human species in today's
contemporary society.
rewards.
41
compression of processes, overcoming geographic
relationships.
42
(g). Embedded Network Productivity
are generated.
43
best suited above other models for such a kind of
study.
45
high variances. Most studies on assessment of the
46
must make positive contribution to output for it to have
47
The user cost approach on the other hand focuses on
banks.
50
oriented hypothesis suggested by Bryjolffosson and
the firm.
51
in relation to sales is determined by dividing the gross
on owner's equity.
52
employed or the owner's equity. Accordingly,
form.
53
ii) Return on capital employed: Capital in this
given as:-
or
capital employed or
creditors.
per share.
55
g) DIVIDEND AND EARNINGS YIELD: This
firm's earnings.
employed.
CHAPTER TWO
LITERATURE REVIEW
57
Various literatures are reviewed to guide the study.
58
telecommunications and computer-based technology.
telecommunications.
59
2.1.2 Types and applications of information
communication technology
tool.
sources of data.
60
texts and graphics.
assessment.
61
groups with poor communication to others
materials
62
distinction between information have and the basis for
63
competition. According to Hanna (1994) information,
According to her:
64
1) It enhances access to global knowledge, markets
and capital.
intensive economy.
economic agents
65
according to him, any problems cause by an
66
profoundly transforming competitive strategies,
information.
67
2.2 Empirical Literature
68
the linkages between ICT used in banks and
69
a dearth of readily available reliable information with
71
States general Accounting Office (1998), Furst, Lang
commerce transactions.
72
electronics industry in a World Bank symposium.
antenna.
73
and training while social impacts evolves around the
74
(1990) , etc have centered most of the importance of
75
Martin (1988), surely computer crime is now assuming
adolescents.
76
various countries. Literature reviewed show that
77
computerization efforts have either benn consistent
78
CHAPTER THREE
METHODOLOGY
79
The experimental research design in line with Obasi
3.2 Population
3.3 Sample
80
The multi stage sampling technique inline with
81
senior banking staff within the sample constitute the
adoption.
banks.
82
3.5 Validation of the instrument
83
In order to ensure the reliability of the instruments, a
84
CHAPTER FOUR
4.1 INTRODUCTION
study.
to this report.
86
presented in appendix two (2) of this report. The Regression
Reports of the model used for this study are as set out
hereunder.
Model:
Y = a o + a1 X 1 + a2 X 2 + U
Where:
U = Error term
Reports:
87
The above estimated parameters in the above model
this study.
communication technology.
DECISION RULE:
89
level), then the null hypothesis (Ho) stands rejected and the
RESULT :
technology.
90
profitability of Nigeria banks pre and post adoption of
ALTERNATIVE HYPOTHESIS
DECISION RULE:
91
RESULT
technology.
Table
HYPO N K DF R2 Tob Teri Level of Remark
THSIS significance
1 20 3 17 NA -1.18226 2.110 0.025 Not significant
2 20 3 17 NA 1.40854 2.110 0.025 Not significant
92
Source: from the statistical test carried out by the Researcher.
CHAPTER FIVE
5.1 SUMMARY
93
partially due to the rapid and significant growth in
94
trends and processes of change. In this research work,
5.2 CONCLUSIION
and products using IT. The banking industry has gone through
requirements.
95
In this research work, the researcher has unveiled that
96
REFERENCES
98
Bryjolsson, E and Hill L (1996) Paradox lost? Firm level evidence on
the returns to information systems pending. Management Sciences;
42,541-558
100
Guibalt L. (2002) Copyright limitations and contracts. UK Journal of
Information, Law and Technology. 1.
101
Lichtenbery, F (1995) The output contribution of computer equipment
and personnel. Economics of innovation and new technology. 3(4)
Mark James (1999) The impact of the internet on users and suppliers
of financial services. USA: Brookings Wharton Papers on financial
services
102
O’Sullivian (2000, February) Net banks: More dream than reality.
USA: USA Banker
103
APPENDIX
QUESTIONNAIRE
…………………………………
…………………………………
…………………………………
Dear Sir/Madam,
SECTOR.
purely for the purpose of this study and will be treated as confidential.
Yours sincerely
…………………………………………………..
(Student)
A Telephones ( )
B Fax machine ( )
C Computers ( )
E E mail ( )
105
G Web offset (www) ( )
H Gopher ( )
5. Which year did you using these ICT facilities in your bank?
..................................................................................................
a. Telephones ( )
b. Fax machine ( )
c. Computers ( )
e. E mail ( )
h. Gopher ( )
a. Word perfect ( )
b. MS word ( )
106
e. Statistical package (e.g. SPSS. SAS etc) ( )
f. Fault diagoniser ( )
g. Micro banker ( )
h. Oracle ( )
i. Insurance accounting ( )
j. Power point ( )
k. Mention others ( )
8) What do you use the ICT facilities and software for in your bank?
(Tick as appropriate)
a. Data analysis ( )
b. Information processing ( )
d. Information dissemination ( )
e. CD ROM Searches ( )
f. Teleconferencing ( )
g. General Management ( )
h. Forecasting ( )
Graphics/education ( )
k. Seminar presentation ( )
i. Mention others ( )
1. Please mention the types of new services that your has introduced
as a result of ICT utilization.
2. Please assess the average time it takes your bank to complete the
following activities before and after the adoption of ICT facilities.
107
Types of Service Pre Adoption Post Adoption
1. Clearing of cheques
9. Processing of Loans
108
a) Senior Level
b) Intermediate Level
c) Junior Category
109
16) Please mention
others
110