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CHAPTER ONE BACK GROUND OF STUDY 1.1       INTRODUCTION The trend shows that more Nigerians do financial transactions electronically via banks ATMs, internet banking and SMS-banking. It was reported that in Nigeria major bank, the number of ATM transactions is 3.5 to 4 million (of total 5 million transactions) in a single day. In another bank, the ATM transactions are increased by 32% annually. Still, the banks in Nigeria seem to ...

CHAPTER ONE INTRODUCTION  1.1 BACKGROUND OF STUDY The trend shows that more Nigerians do financial transactions electronically via banks ATMs, internet banking and SMS-banking. It was reported that in Nigeria major bank, the number of ATM transactions is 3.5 to 4 million (of total 5 million transactions) in a single day. In another bank, the ATM transactions are increased by 32% annually. Still, the banks in Nigeria seem to be ...