References
Akinuli, O. (2009). Information Technology in Business Industry, Operational Application, Problems and future Challenges. C.B.N Bullion, 5(6), 7-24. Adewoye, J. O. (2017). Impact of Information Technology Investment on Banking Operation in Nigeria. International Business Management 1 (4), 70-78. Agboola, A. A. (2013). Information Technology, Bank Automation and Attitude of Workers in Nigerian Banks. Journal of Social Science 7 (3), 215-222. Ahmad, A. M. K. & Al-zubi (2011) “E-Banking Functionality and Outcomes of Customer Satisfaction: An Empirical Investigation”, International Journal of Marketing Studies, Vol.,3 No 1. Ali, Naghi M. B., Saeid J., Reza, S. T. & Hamed, M. B. (2016). The Study of the Effects of Ebanking Services Quality on Customers’ Satisfaction and Loyalty (Case Study: Agricultural Bank of Khuzestan Province). Journal of Current Research in Science, No. 1, Vol. 5, pp. 375-381. Audu, A. (2010). Effect of Electronic Banking Facilities Employment Sector and age group on customer choice of bank in Nigeria. Journal of Interest Banking and Commerce. Vol.15, No 1. Anyanwaokoro, M. (2009). Theory and Policy of Money and Banking, Enugu, Nigeria: Hossana Publications. Anyanwaokoro, M. (2011). Element, Practice and Processes of Banking Operations, Enugu, Nigeria: Hossana Publication. Anyanwaokoro, M. (2016). Nigeria Banking Laws and Regulations, Enugu, Nigeria: Hossana Publication. Blommestein, h. J. (2016). Vivid Presentation at the World Bank Sovereign Forum 19 Carlson, J. Furst K., Lang W. W. & Nolle D. E. (2011), Internet Banking: Market Development and Regulatory Issues, Society of Government Economists Conference 2000, Washington D.C., November Central Bank of Nigeria (2012), Keynote Address Delivered by the Governor, Central Bank of Nigeria at the 14 th Annual Bank Conference Held on Thursday, September. Central Bank of Nigeria (2013a), Report of the Technical Committee on Electronic Banking, February. Central Bank of Nigeria (2013b), Guidelines on Electronic Banking in Nigeria, Clive, W. (2017). Academics Dictionary of Banking, New Delhi, India: Arrangement Academic New Delhi. Edet, O. (2018). Electronic Banking in Banking Industries and its Effects. International Journal of Investment and Finance, Vol. 3, A.P 10-Ernest, S. & Fadiya, B. (2012). Cashless Banking in Nigeria: Challenges, Benefits and Policy implication. European Scientific Journal, June Edition, Vol.8, No.12. 15. Furst K., Lang W. W. & Nolle D. E. (2010), Internet Banking: Developments and Prospects, Economic and Policy Analysis Working Paper 2000-9, September, http://www.occ.treas.gov/ftp/workpaper/wp2000-9.pdf) Hodagho, E. (2016). Assessment of Risk Involved in the Payment System. A paper Presented at C.B.N Seminar on Payment System, Vol. 1, P.A 22- 46. 18. Ibrahim, D. (2009, April 12). Boosting Payment Solution with Visa Card. Daily Champion, P. A. 12. Idowu, P. A. (2012). The Effect of Information Technology on the Growth of Banking Industry in Nigeria. Journal of Social Science Vol.12:18-20. Imhonopi, D. & Urim, U. M. (2010). A sociological discourse on personal and national development inNigeria.The Journal of Sustainable Development in Africa (JSDA), Clarion University,Pennsylvania, USA. Vol. 12, No. 5, pp. 180-191. Imiefoh, P. (2012). Towards Effective Implementation of Electronic Banking in Nigeria. International Multidisciplinary Journal, Ethiopia, Vol. 6 (2), Serial No. 25. James, A. (2019 April 21). Boosting Payment Solution with visa Cards. Daily Champion, P.12. Lawal, I. M. (2018). E-banking as a catalyst to Customer Service Delivery. HND Project Federal Polytechnic Bauchi Luka, M.K. & Frank, I.A. 2012. The Impacts of ICTs on Banks: A Case study of the Nigerian Banking Industry. International Journal of Advanced Computer Science and Applications, 3(9), 145-149 Ogunlowore, A. J & Oladele, R. (2014). Analysis of electronic banking and customer satisfaction in Nigeria. European Journal of Business and Social Sciences, Vol. 3, No. 3, pp. 45-53. Okeci, O. & Oruan, P. (2013). Empirical Evaluation of Customers’ Use of Electronic Banking Systems in Nigeria. African Journal of Computing & ICT, Vol 6. No. 1. Oleka, J. (2009). E-payment and Its Challenges. Daily Champion, P.A.13. Omotayo, G. (2017). A Dictionary of Finance, West Bourme, England: West Bourme Business School. Onwurah, A. (2018). Introduction to Academics Research Methods, Enugu, Nigeria: Gostak Printing and Pub. Co. Ltd. Oyesanya Y (2014a), Nigerian Internet 419 on the Loose, The Nigerian Village Square, March 28 (www. nigeriavillagesquare.com) 26. Oyesanya Y (2014b), Review of Central Bank Guidelines for Electronic Banking, The Nigerian Village Square, Julwww.nigeriavillagesquare.com Ovia, J. (2011), Internet Banking: Practices and Potentials in Nigeria, A Paper at the Conference Organized by the Institute of Chartered Accountants of Nigeria (ICAN), Lagos, September 5. Singer D. D., Ross D. & Avery A. (2015), The Evolution of Online Banking, Journal of Internet Banking Business, Number 2 (Spring). Suleiman, B. (2017). Report on the Survey of Developments in the e- payments and Service Products of Banking and other Financial Institutions in Nigeria. Central Bank of Nigeria Library, P.A 6-14. Tope D. (2010). E-Banking Operations: The Nigerian experience. Sales & Marketing Manager NCR (Nigeria). Transparency International (2014), National Integrity System, Country Study Report, Nigeria. Usman, S. (1998). Electronic Banking in Nigeria and the Automation of the Nigeria Financial System. A Paper presented at C.B.N seminar on the Dynamic of Managing the Nigeria System in 21st century, Vol. 1, P. A. 12-30. Woherem, E.W. (2010) ‚ Information Technology in the Nigerian Banking Industry? Spectrum Ibadan,