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首页> 外文期刊>European Journal of Business and Management >The Impact of Adopting Electronic Banking in Nigeria Economy: Issues and Challenges
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The Impact of Adopting Electronic Banking in Nigeria Economy: Issues and Challenges

机译：电子银行在尼日利亚经济中的影响：问题和挑战

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This study examines the “impact of adopting electronic system of banking in Nigeria on the Economy, using Lagos, Abuja, Abia, Anambra and Port-harcourt as areas of concentration. Thus, the paper x-rays the implication of e- banking with a view of exposing the possible challenges it posses to the Nigeria Economy, while employing aggregated approach. Analytically, this study will employ descriptive statistics to highlight or overview the effectiveness of the electronic banking policy of the Central Bank of Nigeria. The study was informed by the doubts as regards the effectiveness of various economic policies achieving developmental goals of Nigeria. Therein, the recent evolution of electronic money poses interesting questions for policy makers all over the world. This work also seeks to evaluate the policies of the Central Bank of Nigeria as well as to proffer valuable recommendations on the execution of e- banking initiative in Nigeria. The study presents significant recommendations such as availability of sufficient and well functioning infrastructural facilities (notably electricity), harmonization of fiscal and monetary policy, regular assessment of the performance of electronic banking channels individually and collectively; consideration of the present state and structure of the economy; redesigning of the monetary policy framework towards economic growth, whilst managing inflation. In conclusion, the shift towards e-banking in Nigeria seems to be beneficial though, it comes with high level of concern over security and management of cost savings resulting from its implementation.
机译：这项研究考察了“采用拉各斯，阿布贾，阿比亚，阿南布拉和哈科特港为重点地区，尼日利亚采用电子银行系统对经济的影响”。因此，本文采用综合方法对电子银行的含义进行了x射线分析，以期揭示其对尼日利亚经济可能带来的挑战。从分析上讲，本研究将使用描述性统计数据来强调或概述尼日利亚中央银行电子银行政策的有效性。这项研究是关于对实现尼日利亚发展目标的各种经济政策的有效性的怀疑。其中，电子货币的最新发展为全世界的决策者提出了有趣的问题。这项工作还旨在评估尼日利亚中央银行的政策，并就在尼日利亚实施电子银行计划提出宝贵的建议。这项研究提出了重要的建议，例如是否有足够的和运转良好的基础设施（主要是电力），协调财政和货币政策，定期或单独评估电子银行渠道的绩效;考虑经济的现状和结构;重新设计针对经济增长的货币政策框架，同时管理通胀。总而言之，在尼日利亚，向电子银行的转变似乎是有益的，但它的实施引起了人们对安全性和成本节省管理的高度关注。

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