EST. 2026

The Archive

Finance / Banking · REF. TA-4738

Mobile Banking Adoption as a Determinant of Bank Performance: in Selected States in Nigeria

Abstract

This study investigates the subject matter outlined in the title above through a structured research design appropriate to its academic level. Using primary and/or secondary data collection methods, the research examines the underlying variables, tests relevant hypotheses, and presents findings with implications for practice and policy. This is placeholder abstract text generated for catalogue preview purposes; the full document contains a complete, topic-specific abstract, literature review, methodology, data analysis, and conclusion.

Chapter One — 1.1 Background to the Study

Over the past decade, the relationship between mobile banking adoption and bank performance has become a subject of considerable debate among scholars and industry practitioners alike, particularly within the context of Selected States in Nigeria where operating conditions differ markedly from more developed markets.

Within the context of Selected States in Nigeria, this relationship carries particular significance. Organizations in this setting operate under a distinct combination of economic, regulatory, and market conditions that may amplify or dampen the effect of mobile banking adoption on bank performance, making a context-specific inquiry both timely and necessary.

1.2 Statement of the Problem

While mobile banking adoption is widely discussed in policy and industry circles, empirical evidence on its actual effect on bank performance within Selected States in Nigeria remains sparse and, in places, contradictory. This lack of localized, rigorous evidence makes it difficult for decision-makers to know with confidence whether current approaches to mobile banking adoption are helping or hindering bank performance — a gap this study sets out to close.

1.3 Objectives of the Study

  1. To examine the effect of Mobile Banking Adoption on bank performance in Selected States in Nigeria.
  2. To assess the extent to which mobile banking adoption influences bank performance within the study area.
  3. To identify the challenges associated with mobile banking adoption in relation to bank performance.
  4. To recommend strategies for optimizing mobile banking adoption in order to improve bank performance.

1.4 Research Questions

  1. What is the effect of mobile banking adoption on bank performance in Selected States in Nigeria?
  2. To what extent does mobile banking adoption influence bank performance within the study area?
  3. What challenges are associated with mobile banking adoption in relation to bank performance?
  4. What strategies can be adopted to optimize mobile banking adoption in order to improve bank performance?

1.5 Significance of the Study

Beyond its academic contribution to the field of finance / banking, this study has practical value for management teams within Selected States in Nigeria seeking to understand how mobile banking adoption translates into measurable outcomes around bank performance. It is equally useful to students and future researchers looking for a localized empirical reference on this relationship.

1.6 Scope of the Study

The study is limited to an examination of Mobile Banking Adoption and its relationship with bank performance within the context of Selected States in Nigeria. It reflects a clearly defined scope of analysis and relies on data and perspectives available within that scope; generalizing the findings beyond this specific context should therefore be done with appropriate caution.

Chapters Two through Five, references and appendices are available for a one-time fee of ₦75,000.

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