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IMPLICATION OF ELECTRONIC BANKING AND CUSTOMERS’ SATISFACTION IN NIGERIA BANKS A CASE STUDY OF DIAMOND BANK PLC
CHAPTER ONE
INTRODUCTION
BACKGROUND OF THE STUDY
Timothy (2012) posits that three or four decades ago, banking was a simple business; consumers saved their money with and received their financial services from banks. When customers open savings account, they received passbook from the bank with which the account would be operated; and when it is a current accounts, they received cheque books for the same purpose.
Akingbola, (2006) Today, the banking industry has moved into an era of menu-driven ultra-robustspecialized software programs called banking applications. These applications can carry out virtually all banking functions relying heavily on information collection, storage, transfer and processing. The application of electronic banking products/services to banking operations has become a subject of fundamental importance and concerns to all banks operating within Nigeria and indeed a condition for local and global competiveness (Ikechukwu, 2000). The recent consolidation exercise in Nigerian banking sector has drawn the attention of many banks to application of various technological devices in promoting/achieving better customer service delivery that guarantees customer satisfaction that translates into increase profitability and higher return on investment.
Timothy (2012) said that, ‘‘customer’s satisfaction holds the potential for increasing an organization’s customer base, increasing the use of more volatile customer mix and increasing the firm’s reputation’’. Consequently, obtaining competitive advantage is secured through intelligent identification and satisfaction of customer’s needs better and sooner than competitors and sustenance of customer’s satisfaction through better products/services.Technology is then essential in providing faster and more efficient services to customers.
Technology acquisition must be based on actual needs and the proven ability to deliver customer – friendly solutions. But with globalization, Nigerian banks have no choice but to adopt electronic banking services to enhance effective service delivery that transcends to customer satisfaction, if they really want to stay in the business race, let alone be profitable (Madueme, 2009). But it should be realized that electronic banking services is a brain child of Information and Communication Technology (ICT) that made it possible for service providers and their customers in developing economies to enjoy a good semblance of the services enjoyed in the developed societies. Electronic banking services have afforded banks the opportunities to impress customers which encourage them to keep coming back. Today, it would be difficult to see any bank in the country that does not render one form of electronic banking service or the other, even banks in the most remote parts of the world.
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