THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)

ABSTRACT

The project addressed itself with the evaluation of impact of universal banking concept in the financial service delivery of Nigeria with emphasis of first bank of Nigeria plc. Both primary and secondary data were collected to solve the research problem. The population of study comprised of the personnel of first bank of Nigeria, customers of the bank and officials of the central bank of Nigeria. The research instruments used for data collection were questionnaires and oral interview. tables, frequencies and percentages were used in presenting and analyzing the data collected. from the data analysis, the researcher came up with the following findings, among others: that universal banking scheme has led to the creation of level playing field for operators in both what was then the merchant and banks sub – sector as well as eliminating the dualism that typifies the industry. That universal banking scheme has engendered significant economies of scale for the financial industry in general and first bank plc in particular. The research thereby recommend that thought universal banking has its bottlenecks, the first bank of Nigeria Plc, should evolve policies to sustain the improvement recorded so far.


TABLE OF CONTENTS
Title pageii Dedicationiii Acknowledgementiv Table of Contentsvi Abstractvii
CHAPTER 1; INTRODUCTION Background of the Study1 Statement of Problem6 Objectives of the Study8 Scope and Delimitation of Study8 Research Questions9 Significance of the Study10 Definition of Terms10
CHAPTER 2: REVIEW OF RELATED LITERATURE12
CHAPTER 3: METHODOLOGY AND RESEARCH DESIGN 
Research Design41 Area of Study41 The Population and Sampling Technique41 Types and Source of Data42 Research Instrument42 Reliability and Validity of Instrument42 Method of data Collection43 Method of Data Analysis43
CHAPTER 4: PRESENTATION, ANALYSIS AND  INTERPRETATION OF DATA44
CHAPTER 5: DISCUSSION, IMPLICATION AND  RECOMMENDATION Discussion of Result 54 Conclusion57 Implication of the Result59 Recommendation61 Suggestion for Further Study66 Limitation of the study66 References