THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY
CHAPTER ONE 1.1 INTRODUCTION BACKGROUND OF THE STUDY From 1891, when the first banking institution was established in Nigeria to 1986 when the Structural Adjustment Programme (SAP) was introduced, banking practice was essentially regulated with clearly defined functions both commercial and merchant banks. With SAP, improved policy environment triggered off an unusual increase in the number of banks registered in the country. The genesis of universal banking in Nigeria can ...
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