Effect of Information and Communication Technology (ICT) Adoption on Adaptive Performance of Bank Employees
1 Department of Banking and Finance, Faculty of Management Sciences, University of Jos.
* Corresponding author: odumuv@unijos.edu.ng
* Corresponding author: odumuv@unijos.edu.ng
Abstract
The rapid expansion in the use of Information and Communication Technology has
reshaped the global banking industry and the manner in which its employees are expected to
work and adapt to their changing work demands. Banks in Nigeria are under increasing
compulsion to adopt ICT not only for operational reasons but also to enhance employee
adaptability in terms of learning, creativity, and flexibility. This study was motivated by the
need to evaluate how the adoption of ICT impacts bank employees' adaptive performance,
given the crucial role of the sector in sustaining financial stability and competitiveness. The
quantitative research design involved a structured questionnaire that was administered to
160 employees in a sample of selected Deposit Money Banks in Plateau State, Nigeria. A
total of 98 questionnaires were returned, out of which 85 were usable for the research
analysis. The research focused on three adaptive performance dimensions: adaptive learning,
creativity, and worker flexibility. The needed correlation and regression analyses were
carried out to test the hypotheses at 5% significance levels. The findings revealed that ICT
significantly influences adaptive learning, creativity, and worker flexibility among employees.
Results indicate that workers are able to learn new processes and devise innovative solutions
to handle emergent issues and adjust flexibly to the challenges inherent in the workplace. In
view of these findings, the study concludes that the adoption of ICT is not only an operational
imperative but also a strategic enabler of employee adaptability. It recommends sustained
investments in ICT, employee training, and supportive policies as necessary conditions to
maximsze benefits.
Keywords
Adaptive Learning
Adaptive Performance
Bank Employees
Creativity
ICT Adoption
Nigeria
Worker Flexibility
How to Cite
Odumu, V. A., John, U. U., & Thomas, D. P. (2025). Effect of Information and Communication Technology (ICT) Adoption on Adaptive Performance of Bank Employees. Journal of Banking and Finance Research, 1(1), 96-107.
V. A. Odumu, U. U. John, and D. P. Thomas, "Effect of Information and Communication Technology (ICT) Adoption on Adaptive Performance of Bank Employees," Journal of Banking and Finance Research, vol. 1, no. 1, pp. 96-107, December 2025.