Victor, Ato Odumu

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

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 g...

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

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 adaptabil...

Commercial Bank Financing Instruments and Power Sector Performance in Nigeria: Evidence from Panel Econometric Analysis (2010–2023)

Growth of the Nigerian economy has been constrained by issues relating to the epileptic supply of electricity as 2% of the Gross Domestic Product is channeled towards power generation and distribution. This study investigates the impact of commercial bank financing instruments—specifically letters of credit, performance bonds, and overdrafts—on the...

Financial Literacy and the Growth of SMES in Plateau State

Small and medium-scale enterprises (SMEs) play a pivotal role in Nigeria’s economic development, yet their growth is frequently hindered by persistent financial management challenges. Financial literacy—comprising financial knowledge, financial behaviour, and financial attitude—has been increasingly recognised as a critical capability for enhancing...