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ABSTRACT The property industry in Nigeria has been confronted with pressure due to population growth and urbanization challenges, which trigger the rising needs for both residential and commercial spaces. Lack of ethical and strategic approach to management, limited recognition of the value of these assets by property users and operational decision makers, gradual shift in emphasis on quality and ethics have eroded the significance of property management. This has however ...

CHAPTER ONE INTRODUCTION 1.1.  BACKGROUND TO THE STUDY Today’s business environment is extremely dynamic in nature. It has experienced rapid changes as a result of technological improvements, increased awareness and demands for banks services. The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate, thus, information and communication technology (ICT) is at the centre of this global ...