期刊名称：Annals of Dunărea de Jos University. Fascicle I : Economics and Applied Informatics
印刷版ISSN：1584-0409
出版年度：2019
期号：2
页码：1-9
出版社：Dunarea de Jos University of Galati
摘要：This study examined electronic payment systems (EPS) and service delivery in chosen
Money Deposit financial institutions in Nigeria. This study aims to evaluate the use of two
electronic banking instruments which comprises Automated Teller Machine (ATM) and
Point of Sales (POS) terminal usage in enhancing service delivery of Money Deposit Bank in
Nigeria. The applications of these two instruments over the years have been given mixed
outcomes among both the customers and even the bank officials in Nigeria. Survey research
design was adopted in this study. The population of the study covers nineteen (19) Money
Deposit banks in Lagos, Nigeria. Four (4) money deposit banks were purposively selected
based on their wide coverage and supposed large number of customers. One hundred and
eight (108) questionnaires were collected from the distributed one hundred and twenty
(120) among bank staff and bank customers of Money Deposit Banks in Lagos with the aid
of convenient sampling technique. Regression technique was employed to test the influence
of E-payment systems in relation to service delivery. The results showcased significant
influence of ATM and POS on service delivery of Money Deposit Banks in Nigeria. The study
recommended that banks should spread Automated teller machines and Point-Of-Sales
terminal across the towns and cities. And more so, to increase the patronage on EPS, the
Money Deposit Banks should intensify their education to sensitize the prospective users of
the benefit of these instruments.
