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CHALLENGES IN UTILIZATION OF COMPUTER
IN COMMERCIAL BANK IN ENUGU STATE
ABSTRACT
This study
is titled the challenges in Utilization of computer in commercial banks in
Enugu State. The use of computer in commercial bank helps to facilitate banking
operation in all ramification. However, irrespective of the gains and clarion
call for integration of computer in commercial banks, there are still several
challenges facing it such as staff development challenges, maintenance
challenges electricity challenges and finding as a challenges in utilization of
computer in commercial bank in Enugu. This research study adopted survey
research design furthermore the population of the study was 72 respondents
which were official staff of first bank of Nigeria Plc in Enugu State.
Moreover, the mean was used to answer the research questions, while standard
deviation was also used to determine the discuses or otherwise of the opinion
of the respondents from the group mean. Mean rating of 3.50 and above was
regarded as disagreed the respondents agreed that staff development challenges,
maintenance challenges, electricity challenges and finding as a challenges were
of high level determinant acceptance for challenges in utilization of computer
in commercial banks in Enugu State. Based on the findings, the study concludes
that there is need to tackle challenges in utilization of computer in
commercial banks.
TABLE OF
CONTENTS
Title Page
Approval
Page
Dedication
Acknowledgment
Abstract
Table of
content
CHAPTER ONE
1.0 Introduction
1.1 Background of the Study
1.2 Statement of the problem
1.3 Objective of the study
1.4 Significant of the study
1.5 Research Question
1.6 Scope of the study
CHAPTER TWO
2.0 Review of Related Literature
2.1 Staff Development Challenges in
Utilization of Compute in commercial banks in Enugu State
2.2 Challenges in the maintenance of compute
in commercial banks in Enugu State
2.3 Electricity as a Challenge to Utilization
compute in commercial banks in Enugu State
2.4 Funding as challenges to utilization of
computer in commercial banks in Enugu State
CHAPTER
THREE
3.0 Research methodology
3.1 Research Design
3.2 Area of the Study
3.3 Population of the study
3.4 Sample and sampling Techniques
3.5 Instruments for data collection
3.6 Validation of the instrument
3.7 Method of data collection
3.8 Method of data Analysis
CHAPTER FOUR
4.0 Presentation and Analysis of Data
4.1 Findings of the Study
4.2 Discussion of the findings
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation
5.1 Restatement of the problem
5.2 Description of the procedure used
5.3 Summary of the findings
5.4 Implication of the findings
5.5 Conclusion
5.6 Recommendation
5.7 Suggestions for further research
Bibliography
Appendices
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Computer is
an indispensible part of banking operation in the contemporary world. Computer
adoption by banks will go a long way towards enhancement of banking processes.
In the context of this study, computer is an electronics device that accepts
data as an input, processes data, stores data and bring out information as an
output. The use of computer in commercial banks is a relevant and functional
way of providing services to bank customers in other to assist them
deposit/withdraw from any branches of a particular bank irrespective of where
the account was opened. Computer holds great promise to improve banking
services in addition to shaping the entire work force. Computer offer
innumerable benefits in enriching the quality of the services rendered in the commercial
bank. The challenges of commercial banks in the 21st century will be incomplete
if the challenges in utilization of computer in banking sectors are not meet.
Some of these challenges facing utilization of computer in commercial banks in
Enugu State include: Staff development challenges.
Staff development challenges form the
greatest of all the challenges in utilization of computer in commercial banks.
Staff development challenges arise as a result of inadequate computer
infrastructures, insufficient computer facilities among others. Most banking
sectors have insufficient computer expert that will integrate and utilize
computer for enhancement of qualitative banking services. This might be as a
result of insufficient computer experts in commercial bank, all bankers should
undertake mandatory training and retraining of computer problems to provide the
staff with practical and financial knowledge of computer. Another challenge in
utilization of computer in commercial banks is challenges in maintenance of
computer.
Computer maintenance is those activities
concerned with keeping computers in condition of completeness and efficiency
through repairs or replacement. Maintenance challenges in utilization of
computer in commercial banks come up as a result of incompetent technologist,
inadequate funding incompetent computer skilled bankers or sheer nonchalant
attitude towards maintenance of computer facilities. However, there cannot be
maintenance of computer without consistent electricity supply.
Electricity is the nerve center of all
computer facilities. Though electricity supply all over Nigeria appears
erratic. All computers depend heavily on steady supply of electricity if they
are to function effectively (Adebayo, 2008). As a result of this commercial
banks rely on generating plants to sustain their computer services. But the
overhead cost is enormous to sustain computer facilities coupled with the fact
that there is inadequate funding.
Funding is a major challenge confronting
the acquisition and utilization of computer in banking sectors. Inadequate
funding lead to limited availability of computers in commercial bank. Low level
funding in commercial banks is as a result of inadequate budgetary allocation
from the top banking personnel. Therefore, top banking personal should map out
special fund and invest honestly for successful utilization of computer in
commercial banks.
Commercial banks are financial institute
which accept deposit and other valuables from public for safe keeping, with the
sole aim of making profit. In other words, commercial banks are financial
institutes that perform the services of holding people’s money and using such
money to grant loan and other financial services available to customers. The
loans are usually for short and medium terms. They are owed by private
individuals, institutions or governments commercial bank are limited liability
companies. Central Banks of Nigeria control all commercial banks in Nigeria.
Commercial banks accept deposit from individual business sector, and
government.
Challenges
means barriers, hindrances, setback, obstacles as well as difficulties
encountered while using computer for banking operation in the commercial banks.
Despite the prevalent nature of computer in virtually every aspect of human
endeavourers, it has not been adequately utilized in the commercial banks.
However, utilization is an act of using computer facility for a particular
service/activity in specified period.
1.2 STATEMENT OF THE STUDY
Banks are
not abreast with the use of computer as other private and business sectors. The
reason for this being that bankers are not exposed on the realities of computer
skills that will prepare bankers to face challenges on the global world of
communication and knowledge sharing within the possible shortest time. Before
now one can only deposit/withdraw from a particular branch of a bank one opened
account with. But, with inception of computer, one can deposit/withdraw from
any branch of a particular bank irrespective of where one opened account. In
spite of the accompanying gains and clarion call for integration of computer in
the banking sectors, there are still serious challenges encountered in
utilization of computer in commercial banks such challenges are:
Staff
development challenges. Commercial banks are under staffed with computer
experts that are supposed to integrate and utilized computer facilities for
enhancement of qualitative services due to staff development challenges.
Another hindrance in utilization of computer in commercial banks is challenges
in maintenance of computer.
Computer
maintenance is those activities concerned with keeping computers in condition
of completeness and efficiency through repairs or replacement. Maintenance
challenges in utilization of computer in commercial banks come up as a result
of incompetent technologist, inadequate funding, incompetent computer skilled
bankers or sheer nonchalant attitude towards maintenance of computer
facilities. However, there cannot proper maintenance of computer without
consistent electricity supply.
Electricity
is the nerve center of all computer facilities. Through electricity supply all
over Nigeria appears erratic. All computers depend heavily on steady supply of
electricity if they are to function effectively (Adebayo, 2008). As a result of
this, the commercial banks rely on generating plants to sustain their computer
services. But the over head cost is enormous to sustain computer facilities
coupled with the fact that there is inadequate funding.
Funding is a
major challenge confronting the acquisition and utilization of computer in the
banking sectors inadequate funding lead to limited availability of computers in
commercial bank. Low level funding in commercial banks is as a result of
inadequate budgetary personnel should map out special fund and invest honesty
for successful utilization of computer in commercial banks.
Commercial
banks are financial institutions which accept deposit and other valuables from
public for safe keeping, with the sole aim of making profit. In other words,
commercial banks are financial institution that performs the services of
holding people’s money and using such money to grant loan and other financial
services available to customers.
1.3 OBJECTIVES OF THE STUDY
The main
purpose of this study is to determine challenges in utilization of computer in
commercial banks in Enugu state.
The specific objectives therefore are:
1. Identify staff development challenges in
utilization of computer in commercial banks in Enugu State?
2. Determine challenges in maintenance of
computer in commercial banks in Enugu State?
3. Determine
electricity challenges in utilization of computer in commercial banks in Enugu
state.
4. Determine
funding challenges in utilization of computer in commercial banks in Enugu
state.
1.4 SIGNIFICANT OF THE STUDY
The findings
of this study will be beneficial to bankers, bank administrators, central bank
of Nigeria (CBN) and customers.
The findings of this study will provide
information to bankers on the need to update and improve on their computer
illiteracy skills.
The findings of this study will be
beneficial to bank administrator by ensuring that there is adequate maintenance
of computer accessories with the intention of improving the quality of banking
services.
The findings of this study will
highlight areas that CBN will need to improve upon towards formulating policy
for enhancing utilization of computer in commercial banks in Enugu state.
The finding of this study will be of
immense benefit to customers by ensuring that they are rendered adequate
services in the banking hall.
1.5 RESEARCH QUESTION
Four
research questions are formulated in line with the objective of the study to
guide the research work.
1. What are the staff development challenges in
utilization of computer in commercial banks in Enugu State?
2. What are the challenges in maintenance of
computer in commercial banks in Enugu State?
3. What are electricity challenges in
utilization of computer in commercial banks in Enugu state?
4. What are funding challenges in utilization of
computer in commercial banks in Enugu?
1.6 SCOPE OF THE STUDY
The study is
restricted to staff development challenges in utilization of computer in
commercial banks in Enugu State. The study is also restricted to challenges in
maintenance of computer in commercial banks in Enugu State.
Furthermore,
the study is restricted to electricity challenges in utilization of computer in
commercial banks in Enugu State. Finally, the study is also restricted funding
challenges in utilization of computer in commercial banks in Enugu State.
CHALLENGES IN UTILIZATION OF COMPUTER
IN COMMERCIAL BANK IN ENUGU STATE
ABSTRACT
This study
is titled the challenges in Utilization of computer in commercial banks in
Enugu State. The use of computer in commercial bank helps to facilitate banking
operation in all ramification. However, irrespective of the gains and clarion
call for integration of computer in commercial banks, there are still several
challenges facing it such as staff development challenges, maintenance
challenges electricity challenges and finding as a challenges in utilization of
computer in commercial bank in Enugu. This research study adopted survey
research design furthermore the population of the study was 72 respondents
which were official staff of first bank of Nigeria Plc in Enugu State.
Moreover, the mean was used to answer the research questions, while standard
deviation was also used to determine the discuses or otherwise of the opinion
of the respondents from the group mean. Mean rating of 3.50 and above was
regarded as disagreed the respondents agreed that staff development challenges,
maintenance challenges, electricity challenges and finding as a challenges were
of high level determinant acceptance for challenges in utilization of computer
in commercial banks in Enugu State. Based on the findings, the study concludes
that there is need to tackle challenges in utilization of computer in
commercial banks.
TABLE OF
CONTENTS
Title Page
Approval
Page
Dedication
Acknowledgment
Abstract
Table of
content
CHAPTER ONE
1.0 Introduction
1.1 Background of the Study
1.2 Statement of the problem
1.3 Objective of the study
1.4 Significant of the study
1.5 Research Question
1.6 Scope of the study
CHAPTER TWO
2.0 Review of Related Literature
2.1 Staff Development Challenges in
Utilization of Compute in commercial banks in Enugu State
2.2 Challenges in the maintenance of compute
in commercial banks in Enugu State
2.3 Electricity as a Challenge to Utilization
compute in commercial banks in Enugu State
2.4 Funding as challenges to utilization of
computer in commercial banks in Enugu State
CHAPTER
THREE
3.0 Research methodology
3.1 Research Design
3.2 Area of the Study
3.3 Population of the study
3.4 Sample and sampling Techniques
3.5 Instruments for data collection
3.6 Validation of the instrument
3.7 Method of data collection
3.8 Method of data Analysis
CHAPTER FOUR
4.0 Presentation and Analysis of Data
4.1 Findings of the Study
4.2 Discussion of the findings
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation
5.1 Restatement of the problem
5.2 Description of the procedure used
5.3 Summary of the findings
5.4 Implication of the findings
5.5 Conclusion
5.6 Recommendation
5.7 Suggestions for further research
Bibliography
Appendices
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Computer is
an indispensible part of banking operation in the contemporary world. Computer
adoption by banks will go a long way towards enhancement of banking processes.
In the context of this study, computer is an electronics device that accepts
data as an input, processes data, stores data and bring out information as an
output. The use of computer in commercial banks is a relevant and functional
way of providing services to bank customers in other to assist them
deposit/withdraw from any branches of a particular bank irrespective of where
the account was opened. Computer holds great promise to improve banking
services in addition to shaping the entire work force. Computer offer
innumerable benefits in enriching the quality of the services rendered in the commercial
bank. The challenges of commercial banks in the 21st century will be incomplete
if the challenges in utilization of computer in banking sectors are not meet.
Some of these challenges facing utilization of computer in commercial banks in
Enugu State include: Staff development challenges.
Staff development challenges form the
greatest of all the challenges in utilization of computer in commercial banks.
Staff development challenges arise as a result of inadequate computer
infrastructures, insufficient computer facilities among others. Most banking
sectors have insufficient computer expert that will integrate and utilize
computer for enhancement of qualitative banking services. This might be as a
result of insufficient computer experts in commercial bank, all bankers should
undertake mandatory training and retraining of computer problems to provide the
staff with practical and financial knowledge of computer. Another challenge in
utilization of computer in commercial banks is challenges in maintenance of
computer.
Computer maintenance is those activities
concerned with keeping computers in condition of completeness and efficiency
through repairs or replacement. Maintenance challenges in utilization of
computer in commercial banks come up as a result of incompetent technologist,
inadequate funding incompetent computer skilled bankers or sheer nonchalant
attitude towards maintenance of computer facilities. However, there cannot be
maintenance of computer without consistent electricity supply.
Electricity is the nerve center of all
computer facilities. Though electricity supply all over Nigeria appears
erratic. All computers depend heavily on steady supply of electricity if they
are to function effectively (Adebayo, 2008). As a result of this commercial
banks rely on generating plants to sustain their computer services. But the
overhead cost is enormous to sustain computer facilities coupled with the fact
that there is inadequate funding.
Funding is a major challenge confronting
the acquisition and utilization of computer in banking sectors. Inadequate
funding lead to limited availability of computers in commercial bank. Low level
funding in commercial banks is as a result of inadequate budgetary allocation
from the top banking personnel. Therefore, top banking personal should map out
special fund and invest honestly for successful utilization of computer in
commercial banks.
Commercial banks are financial institute
which accept deposit and other valuables from public for safe keeping, with the
sole aim of making profit. In other words, commercial banks are financial
institutes that perform the services of holding people’s money and using such
money to grant loan and other financial services available to customers. The
loans are usually for short and medium terms. They are owed by private
individuals, institutions or governments commercial bank are limited liability
companies. Central Banks of Nigeria control all commercial banks in Nigeria.
Commercial banks accept deposit from individual business sector, and
government.
Challenges
means barriers, hindrances, setback, obstacles as well as difficulties
encountered while using computer for banking operation in the commercial banks.
Despite the prevalent nature of computer in virtually every aspect of human
endeavourers, it has not been adequately utilized in the commercial banks.
However, utilization is an act of using computer facility for a particular
service/activity in specified period.
1.2 STATEMENT OF THE STUDY
Banks are
not abreast with the use of computer as other private and business sectors. The
reason for this being that bankers are not exposed on the realities of computer
skills that will prepare bankers to face challenges on the global world of
communication and knowledge sharing within the possible shortest time. Before
now one can only deposit/withdraw from a particular branch of a bank one opened
account with. But, with inception of computer, one can deposit/withdraw from
any branch of a particular bank irrespective of where one opened account. In
spite of the accompanying gains and clarion call for integration of computer in
the banking sectors, there are still serious challenges encountered in
utilization of computer in commercial banks such challenges are:
Staff
development challenges. Commercial banks are under staffed with computer
experts that are supposed to integrate and utilized computer facilities for
enhancement of qualitative services due to staff development challenges.
Another hindrance in utilization of computer in commercial banks is challenges
in maintenance of computer.
Computer
maintenance is those activities concerned with keeping computers in condition
of completeness and efficiency through repairs or replacement. Maintenance
challenges in utilization of computer in commercial banks come up as a result
of incompetent technologist, inadequate funding, incompetent computer skilled
bankers or sheer nonchalant attitude towards maintenance of computer
facilities. However, there cannot proper maintenance of computer without
consistent electricity supply.
Electricity
is the nerve center of all computer facilities. Through electricity supply all
over Nigeria appears erratic. All computers depend heavily on steady supply of
electricity if they are to function effectively (Adebayo, 2008). As a result of
this, the commercial banks rely on generating plants to sustain their computer
services. But the over head cost is enormous to sustain computer facilities
coupled with the fact that there is inadequate funding.
Funding is a
major challenge confronting the acquisition and utilization of computer in the
banking sectors inadequate funding lead to limited availability of computers in
commercial bank. Low level funding in commercial banks is as a result of
inadequate budgetary personnel should map out special fund and invest honesty
for successful utilization of computer in commercial banks.
Commercial
banks are financial institutions which accept deposit and other valuables from
public for safe keeping, with the sole aim of making profit. In other words,
commercial banks are financial institution that performs the services of
holding people’s money and using such money to grant loan and other financial
services available to customers.
1.3 OBJECTIVES OF THE STUDY
The main
purpose of this study is to determine challenges in utilization of computer in
commercial banks in Enugu state.
The specific objectives therefore are:
1. Identify staff development challenges in
utilization of computer in commercial banks in Enugu State?
2. Determine challenges in maintenance of
computer in commercial banks in Enugu State?
3. Determine
electricity challenges in utilization of computer in commercial banks in Enugu
state.
4. Determine
funding challenges in utilization of computer in commercial banks in Enugu
state.
1.4 SIGNIFICANT OF THE STUDY
The findings
of this study will be beneficial to bankers, bank administrators, central bank
of Nigeria (CBN) and customers.
The findings of this study will provide
information to bankers on the need to update and improve on their computer
illiteracy skills.
The findings of this study will be
beneficial to bank administrator by ensuring that there is adequate maintenance
of computer accessories with the intention of improving the quality of banking
services.
The findings of this study will
highlight areas that CBN will need to improve upon towards formulating policy
for enhancing utilization of computer in commercial banks in Enugu state.
The finding of this study will be of
immense benefit to customers by ensuring that they are rendered adequate
services in the banking hall.
1.5 RESEARCH QUESTION
Four
research questions are formulated in line with the objective of the study to
guide the research work.
1. What are the staff development challenges in
utilization of computer in commercial banks in Enugu State?
2. What are the challenges in maintenance of
computer in commercial banks in Enugu State?
3. What are electricity challenges in
utilization of computer in commercial banks in Enugu state?
4. What are funding challenges in utilization of
computer in commercial banks in Enugu?
1.6 SCOPE OF THE STUDY
The study is
restricted to staff development challenges in utilization of computer in
commercial banks in Enugu State. The study is also restricted to challenges in
maintenance of computer in commercial banks in Enugu State.
Furthermore,
the study is restricted to electricity challenges in utilization of computer in
commercial banks in Enugu State. Finally, the study is also restricted funding
challenges in utilization of computer in commercial banks in Enugu State.
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