Articles

Browse our published research articles

17 articles
1
Research Article DOI: 10.67862/jbfr.2025.xx9394z4

Digital Marketing Strategies and its Impact on Service Quality of Insurance Industries in Bokkos LGA of Plateau State

Chibuisi Chigozie*, Hajia Asabe Binta Abdulsalam, Olufunmilayo Anita Coker, Oche Charles Ako, Daniel Manga Ojah

Service quality through the evolution of digital marketing has significantly transformed how businesses interact with customers including those in the insurance sector. With the advent of technology, insurance industries now leverage various digital platforms to communicate, educate and engage with policyholders. One of the major challenges of Nigerian insurance industries is the transition from t...

Dec, 2025 pp. 1-19
2
Research Article DOI: 10.67862/jbfr.2025.b89aea7w

Anti-Money Laundering Regulation and Operational Efficiency of Deposit Money Banks in Nigeria

Dr. Solomon Reuben Irmiya*, Godwin, Winner Ihotu, Haruna, Judith Bana, Izang, Gladys John, Dau, Justin John, Daboer, Dominic Dadee, Goma, Carol Alfred, Adi, Donatus Dongnda, John, Seun Ajani, Magunni, Beatrice Watitik

Given the high cost of operation faced by banks in Nigeria despite years of enforcement by regulators, the need to ascertain whether anti-money laundering rules add to or alleviate the burden becomes very essential. On the basis of this, this study examined the effect of anti-money laundering (AML) regulations on the operational efficiency of Deposit Money Banks in Nigeria. An ex-post facto resear...

Dec, 2025 pp. 20-31
3
Research Article DOI: 10.67862/jbfr.2025.kq3y0v49

The Role of Employee Engagement in the Relationship between Worklife Balance and Employee Performance in Sa'adu Zungur University, Bauchi

Sani Babayaro*, Ben. P. Wurim

In today's competitive landscape, the interplay between worklife balance, employee engagement, and employee performance is crucial for organizational success. This study investigates how employee engagement mediates the relationship between worklife balance and employee performance at Sa'adu Zungur University, Bauchi state Nigeria. Utilising a positivist approach, a sample of 300 staff members was...

Dec, 2025 pp. 32-44
4
Research Article DOI: 10.67862/jbfr.2025.066ewj8o

Artificial Intelligence and Customers’ Experience among Deposit Money Banks in Nigeria

Dr. Solomon Reuben Irmiya*, Umeh, Uche John, Kushi Micheal, Peace, Agebe Sunday, Anyit Solomon Danjuma, Enoch Oladipo

Lingering issues of slow response to services, inconsistent quality of service delivery, and limited personalization have combined to heighten the concern about the ability of banks to meet the rising digital expectations of their customers. It is in response to these concerns that the study assessed the influence of Artificial Intelligence applications on customer experience in selected Deposit M...

Dec, 2025 pp. 45-56
5
Research Article DOI: 10.67862/jbfr.2025.caslrbqo

The Effect of Social Media on Mobile Banking Adoption in Nigeria Banking Sector

Victor, Ato Odumu*, Umeh, Uche John, Unaji, Chinaza Rufina

This paper explored how social media communication affects the mobile banking uptake in Nigeria on the basis of usage rate, volume of transactions and customer satisfaction. The quantitative survey design was followed and a sample of 164 mobile banking users was picked among the deposit money banks in Nigeria. Structured questionnaire was used to get the data and SPSS version 26 was used to analys...

Dec, 2025 pp. 57-68
6
Research Article DOI: 10.67862/jbfr.2025.jxujnf3a

Effect of CAMELS Rating on Financial Performance of Systemically Important Banks (SIBS) Listed in Nigeria

Mangai Ishaya Musa*, Christopher Osega Otubor, Dusu Samuel Pam

This study examines the effects of CAMELS rating on the financial performance of SIBs listed in Nigeria, using CAMELS model rating; capital adequacy, asset quality, management quality, earnings ability, liquidity and sensitivity to market risk. Data were collected from the annual reports and accounts of seven systemically important banks (SIBs) in Nigeria, such banks include: First Bank of Nigeria...

Dec, 2025 pp. 69-83
7
Research Article DOI: 10.67862/jbfr.2025.0imkcaus

Effects of Service Quality on Customer Retention in the Nigerian Banking Sector

Kopsherrah Korbe Wakm*, Clement Adewole

Customer retention is not merely a matter of providing satisfactory services, it is deeply tied to a bank’s ability to build lasting relationships, maintain trust, and consistently meet customer expectations. When these aspects are neglected, it can result in high customer churn rates, which in turn affect the financial stability of the bank. This study examined the effects of service quality on c...

Dec, 2025 pp. 84-95
8
Research Article DOI: 10.67862/jbfr.2025.g6098j0d

Effect of Information and Communication Technology (ICT) Adoption on Adaptive Performance of Bank Employees

Victor, Ato Odumu*, Umeh, Uche John, Dashe Puktha Thomas

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 flexibil...

Dec, 2025 pp. 96-107
9
Research Article DOI: 10.67862/jbfr.2025.ckb99hv3

Effects of Nigeria Incentive-Based Risk Sharing System for Agricultural Lending on the Performance of the Agricultural Sector in Nigeria

Patricia Onyemowo Agbo*, Joshua Chibi Dariye, Maria Ayaiye Okorie, Taiya Haziel Mbasti

Nigeria’s agricultural sector is central to economic development, food security, and employment generation, yet its growth has been persistently constrained by limited access to credit. To address this challenge and reduce the risks associated with agricultural lending, the Central Bank of Nigeria established the Nigeria Incentive-Based Risk Sharing System for Agricultural Lending (NIRSAL) in 2011...

Dec, 2025 pp. 108-119
10
Research Article DOI: 10.67862/jbfr.2025.o0kqwh5q

Effects of Capital Market on Economic Development in Nigeria

Patricia Onyemowo Agbo*, Phillips Ozovehe Salawu, Joy Ifeoma Iwugo, Lawrencia Dangmi Datong, Taiya Haziel Mbasti

This study investigated the effects of capital market indicators on economic development in Nigeria, focusing specifically on market capitalisation, interest rates and inflation rates. An ex-post facto research design was employed, and relevant data were sourced from secondary records. The data were analysed using SPSS version 25, with multiple regression analysis applied to determine the relation...

Dec, 2025 pp. 120-130