Keyword : Electronic banking .Commercial banks .Fully Modified OLS .Mobile Banking.
Author(s) : Chukwuemeka S. Ojukwu
Abstract :
This study examines the impact of electronic banking on the commercial bank performance using monthly data from 2015 to 2016. The total asset of commercial banks was used as proxy for commercial bank performance. The data were sourced from the Central Bank of Nigeria statistical bulletin and the Federal Government of Nigeria/ National Bureau of Statistics issues for two years using monthly data. The study adopted Fully Modified OLS, which has the advantage of modifying the least squares to account for serial correlation effects and test for the endogeneity in the regressors that result from the existence of a co-integrating relationships. The study show that the volume of transactions in Mobile Banking exerted significant negative impact on commercial bank assets in the long run. Other independent variables have the expected sign but not significant. The short run estimation showed that the ECM is significant and has the expected negative sign. The result shows that 74.75% of the errors in the previous times disequilibrium is corrected. The finding further showed that the lag of volume of transaction in Mobile Banking has the expected sign and significant at 5% level of significance. The study therefore recommends that the commercial banks should intensify efforts on mobile banking as it has the tendency to improve their profitability.
Music and Teens in Advertising: Influence of Music in Always Sanitary Pad Television Advertisement among Teens in Ikeja Nigeria
Oluwafisayo F. Abdul & Damilola Labake Bamigboye
The Danger of a Single War: Anti-Corruption Crusade of President Muhammadu Buhari in the Court of Public Opinion
Peace Ireju Amannah & Josephine Osatohanmwen Adeyeye
Determinant of Profitability of SMEs in Nigeria (A Study of Ogun State)
Oluwakayode David Oke & Margaret Adebimpe Oke
The Impact of Non-performing Loans on the Performance of Commercial Banks: A Case Study of GTB, Skye Bank and Zenith Bank
Chukwuemeka Ojukwu
Technological Determinism and the Technological Acceptance Model: New Media versus Old Media in the Communication Revolution
Christian C. Ngwu & Uchenna C. Anioke
When Help Turns Awry: Assessing how Social Media Re-victimize Victims of Sexual Violence in Nigeria
Chijioke Odii & Maxwell M. Ngene
Indigenization Paradigm: A Must Shift for Akwa Ibom Broadcasting Corporation (AKBC) Television Programme Content
Bassey Nsa Ekpe
We Have no Faith in the Police An analysis of Media Audience Awareness, Attitude and Use of Security Numbers in Exposing Crimes in Enugu State
Izuchukwu Z. Ugwu, A. C. Ekwueme & Nnamdi George Nzekwe
A Dissection of the Waning Investigative Journalistic Practices in Nigeria
Clementina O. Okafor & Theophilus Oko
The Politics of Newspaper Framing of the 2015 Presidential Election Results in Nigeria
Moses Chukwubuikem Ani, Endwell Onyinye Nyekwere, Uchechi Queen Nwanguma & John Ugwuanyi
Readability Problems in The Guardian Newspaper among Selected Staff and Students of the University of Benin, Nigeria
Festus Prosper Olise & Sunday Akpobo Ekerikevwe
Print Media Coverage of the Exclusive Breastfeeding Programme (2016-2017)
Ibituru I. Pepple & Ijeoma J. Acholonu
Comparative Evaluation of Nigerian Newspapers’ Coverage of Political Violence, 2003-2011
Vaungwa Apaa Nyihar Tine
Buhari’s First Year Anniversary in the Eyes of Nigerian Newspapers: An exploratory analysis of the most relevant frames
Fatima I. Abubakre
Corruption and Newspaper Collapse in Nigeria: Evidence from The Comet, The Democrat and New Nigerian Newspapers
Gausu Ahmad & Ibrahim Jimoh