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EFFECT OF COMPUTERIZATION ON BANKS’ PERFORMANCE IN QUOTED NIGERIAN BANKING SECTOR
Abstract
The effect of computerization in banks became of concern to the researcher as its adoption in banking sector and its application has become a major concern to all banks who are deliberating on whether to fully go technological or use partial manual and technology. This study aim to examine the effect of e- banking on ROA of which a survey was carried out on three banks listed on the Nigerian stock Exchange, using panel data of 10 years ranging from 2009 – 2018; while ATM value and volume were used as measurement tool for e-banking, ROA were used as a tool for bank performance. Descriptive analysis was used to ascertain the mean (1.865608; ATM volume, 666288.8; ATM value, 4.514933; ROA) median, Maximum, Minimum. Correlation was carried out and a positive and strong relationship between ATM volume and Value with the performance indicators of selected banks in Nigeria were generated.Regression was carried out on all variables, and hausman test was used to determine which of either pool, random and fixed model to pick, and fixed was picked. Using fixed regression on the effect of e-banking on ROA, the result of the estimated model shows that (ROA) has positive relationship and statistically significant effect on ATM volume in the long run.The work suggests that Management of Nigerian quoted banks should increase their commitments into e- banking channels in order to improve returns from their business transaction.
Keywords: Computerization, Technology, E- Banking, Measurement, Performance.