Title page 




Table of content 


1.1 Introduction

1.2 Statement of the problem 

1.3 Objective of the study   

1.4 Scope and Limitation of the study 

1.5 Significance of the study 

1.6 Research methodology 

1.7 Statement of hypothesis 

1.8 Organisation and plan of the study 

CHAPTER TWO: Literature review 

2.1 Evolution of computer technology 

2.2 Brief review of banking theory 

2.3 Areas of information technology Development by bank.

2.4 Effect of information technology on bank service 

2.5 Benefit of information technology 

2.6 Service provided through information Technology 

2.7 Adverse effect of information technology 

CHAPTER THREE Research Methodology and case study 

3.1 Introduction 

3.2 Brief history of UBA Plc 

3.3 Method and source of collecting data 

3.4 Some application of I.T. on bank services 

3.5 Stages of IT in UBA Plc

3.6 Limitation of I.T.

CHAPTER FOUR: Data presentation and analysis 

4.1 Introduction 

4.2 Presentation 

4.3 Analysis of Bank Management Staff and Customer

4.4 Testing of hypothesis 

4.5 Generalization 

4.6 Policy issue and application 

CHAPTER FIVE: Summary, Conclusion and recommendation

5.1 Summary 

5.2 Conclusion 

5.3 Recommendation 


Appendix I

Appendix II

Appendix III



Banking:- in his book “Law of Banking” Dr. Heber Hart tries to define a bank as a company carrying on the businesses of receiving monies and collecting drafts for customers subject to obligation of honoring cheques drawn upon them from time to time by customers to the extent of the amount available on their current account.

The competitive mature of the banking industries and with the numerous customers over the years has brought about the role and the introduction of information technology in coping with the urgency needs to satisfy the needs of bankers in carrying out their daily activities in satisfying their numerous customers.

The introduction of the information technology has saved many banking industries in the area of organization and information of the banking activities in terms of man power accounting procedures are more easily accessible quality. In data selection and processing modeling and packaging of their services, forecasting and other banking services.

The emergency and rapid expansion of information technology in the banking industry has brought to the door of the people all over the world good banking services. Information which has become vital factor in decision making has serious implication on how business is done world-wide. Some of the objectives of every business organization are to satisfy customers needs with quality services or production also maximize profit.

The fact is reflected in the mission statement of the UBA Plc which goes thus “our mission is to provide first class services to air customer delivery by well trained and highly motivated people aided by the best technology generating superior return to shareholders, whole positively importing the community served” (UBA PLC Olatogun 2001). In Nigeria banking services revolves around such activities like handling of cash, keeping of account, collection of cheques and lending of money through loans and advances, provision of international trade among others. All this massive application of information technology improved information technology enables services rendering by banks to be relatively efficient and cost effective than the use of labour intensive banking.


The statement of the problem of this research work is that

i. What do you understand by information technology?

ii. Is there any relationship between information technology and services delivery ability in Nigeria banks?

iii. What are the challenges and problems faced by banks in pursuit for the technological excellence?

iv. What are the effect of full utilization information technology in delivery of banking services in Nigeria.

v. What are the services produced through IT.


The main objective of the study are:

i To offer understanding of the information technology.

ii to explore the relationship between information technology and services delivery ability in Nigeria banks.

iii To identify the relationship between information technology and services delivery ability in Nigeria banks.

Iii To identify the problems encountered by banks in pursuit for the technical excellence like poor technical knowledge, erratic power supply etc.

Iv To analyze the effect of full utilization of information technology in the delivery of banking services in Nigeria banks.

v. To highlight services provided by information technology


This research would be confirmed only to the role of information technology in efficient services delivery in the banking sector or industry with special emphasis in the United Bank of Africa Plc (UBA).

This is also expected to trace the history of computerization in the United Bank of Africa from 1976 to 2009. It will also discuss the evolution of computers and the information technology and efficient services delivery in banking industry with relevance to UBA Plc.

The scope and limited of the study includes financial constraints in the course of the study.

The constraints include low response of banks staff, transportation, cost, inadequate information supply from the respondents.

Despite the above point the research will make everything possible that these limitations never have any prevailing effects in the reliability of the study.


At present, the business environment especially the banking industry competitive which make a need examination the factor that are responsible for making some banks more effective than others due to some state advantage of information technology.

To government, it keeps the records of workers up to date.

To banks, it makes the industry to be responsible to the modern economic development through efficient financial market based and sustainable accounting structure become, necessary.

To the customers, reduce the long hours of waiting in the banking hall.

To the company, it prevent or minimize the rate of fraud, coupled with the need for effective planning, policy formulation, for casting, data manipulation and processing to be updated.


Critically examine and evaluate the role of information technology (IT) in banks services delivery a primary data and secondary data will be used.

 The primary data shall be generated through the use of questionnaire and interview.

The quantitative techniques to be used are chi-square, percentage and descriptive analysis. And this is due to the nature of the data that has been generated.

While the secondary data includes the use of textbooks, magazines, financial report, journals, new papers and so on.  


The general hypothesis is hereby stated for the purpose of this study.

Ho:Information technology has no impact on the services provided in the banking industry.

Hi:Information technology has an impact on the services provided in the banking industry.


The structure of this research work has been divided into five chapters.

Chapter one, this chapter will include introduction that in the general background to the study and other variable associated will be highlighted.

Chapter two, literature review of the study breakdown into subheading like history and evolution of the chapter.

Chapter three, research methodology which are primary and secondary data and other subheadings.

Chapter four, this chapter contains data presentation, data specification etc.

Chapter five, this chapter deals with summary of findings, summary and conclusion.




Accounting to Encyclopedia America (vol. 26), the term technology is derived from the Greek word “techne” implying art or craft in the narrow sense technology can be described as the industrial process that succeeded craft. Operations speaking however can refer to technology as any process that deal with materials it also an offshoot of service.

Technology in general was accepted to have started in the 17th century in Europe with the emergence of the giants of the scientific revolution such as Dalton (1766 – 1844) who advanced the atomic theory of matter made remarkable break through in the 18th century with the likes of Michael Faraday (1971 – 1967) inventing the electric generator. Alexander Graham Bell who invented the telephone in 1975 and Charles Babbage who in the 19th century make a landmark also in the development of calculate machine and indeed, what could be considered to be the fore runner of the modern computer. The machine performed its operation in a pre-determined sequence. The second generation of computer was based on the punch and machine. This was the type of machine in 1890 for the American census. The first and electro computer was built at the University of Penn Sylvania to solve problems in ballistic aromatic for US Army. Taking some three years to construct, finished as massive machines weighting some thirty town and using 18,000 and electronic values and diodes it occupies 10,000 squire fast of floor space, put into service in 1949 known as electronic numerical integration and calculator (ENIAC) but was relatively in adaptable as it had been designed to bank on special field problems.

The next generation machine developed by the same Arm’s University is Electronic Discrete Variable Automatic Computer (EDVAC). It is more versatile; it’s a store program machine using a punched power tape input and was described as world first comment electronic data processing machine. During this same time IBM was general purpose computer in US resulting in the introduction in 1948 of the IBM 701 in 1952 IBM 650 in 1960 with punched paper tape as well as punched card input using magnetic tape was established gong on in the US today behave what could be called fifth generation computer now in market (mostly micros). They can accomplish task originally meant for mainframe.

Banking at the global level has reaped immense benefit from information technology and has warmly embraced it, hence such facilities as Electronic Fund Transfer (EFI), Automated Teller Machine (ATM), smart cards and other internet facilities inputs in the banking industry today.

  Electronic Banking in Nigeria ATM is less than two years in the market. Society general bank blazed the trait in November, 1990. When they introduced the machine in their broad street and Apapa branches and First Bank Plc come up with their own ATM in December, 1991.

However, the smart card scheme received a boast in February 1998 when consortium of 19 licensed banks floated a smart card company in France.

Technology innovation being introduced in the industry has entirely changed the banking landscape and now constitute strong marketing tools that assists banks to retrain and attract new customer. 

On the other hand, banking is defined loosely as money holding and money lending and it is as old as mankind, to the 17th century, some rudimentary banking activities had become wide spread in several art of the world, especially in Europe and Asia. However the early bank deal mainly with commodity money and arises. 

They were largely individual and fairly business, which sometimes fell it trouble by making unproductive lending to kings and nobles. Gradually effort were made to check the observed weaknesses, which was to uplift banking practice and transform them in the farms which could protect the interest of the shareholders. 



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