Use Of The Internet Facilities By Bankers (A Case Study Of United Bank Of Africa (UBA) Owerri)

Project and Seminar Material for Library and Information Science

Use Of The Internet Facilities By Bankers (A Case Study Of United Bank Of Africa (UBA) Owerri)


This study is aimed at the use of internet facilities by bankers case study of UBA Owerri. The study was guided by some objectives; These include a certaining the range and currency of reference information sources and knowing if they are adequate. To determine whether banks United Bank of Africa (UBA) are computerized and Internet compliant.

The survey research method was adopted while carrying out the research with the questionnaire used as the instrument for data collection. The finding revealed that reference collections are relevant to meet the information needs of clients. The study recommends that bankers are to be computer literates in other to meet their customer’s needs.

List Of Tables

  • Table 1: indicated that their banks connected to the Internet
  • Table 2: If the facilities is available
  • Table 3: The use of Internet is it vast
  • Table 4: How often do you use the Internet
  • Table 5: Shows that the Internet for searching
  • Table 6: Indicated that the Internet always satisfy their information needs.

Table Of Contents

Preliminary Page(s)

  • Title page
  • Certification
  • Dedication
  • Acknowledgement
  • Abstract
  • List of tables
  • Table of contents

Chapter One


  • 1.1 Background of the study
  • 1.2 Statement of problem
  • 1.3 Objectives of the study
  • 1.4 Research Question
  • 1.5 Scope of study
  • 1.6 Significance of the study
  • 1.7 Brief Historical Background of United Bank of Africa (UBA)
  • 1.8 Brief historical background of United Bank of Africa Owerri branch
  • 1.9 Definition of operational Basic concepts
  • 1.10 Bankers Definition
  • References

Chapter Two

2.0 Literature Review

  • 2.1 History of the Internet
  • 2.2 Concept of the Internet
  • 2.3 Internet and its Resources
  • 2.4 Bankers and the use of Internet
  • 2.5 Availability and use of the Internet by Bankers
  • 2.6 Challenges in the use of Internet facility
  • 2.7 Sustainable approach to the use of Internet facilities by Bankers
  • References

Chapter Three

3.0 Research Methodology

  • 3.1 Research Design
  • 3.2 Population of the study
  • 3.3 Sample and Sample size
  • 3.4 Instrument for Data collection
  • 3.5 Questionnaires
  • 3.6 Method of Data Analysis

Chapter Four

4.0 Data Presentation and Analysis

  • 4.1 Discussion Based on findings

Chapter Five

5.0 Summary of findings, Conclusion

  • 5.1 Summary of findings
  • 5.2 Conclusion
  • Bibliography
  • Appendix

Chapter One

1.0 Introduction

1.1 Background Of The Study

The Internet is a global system of interconnected computer networks that use the standard internet protocol suite to serve billions of users worldwide. It is a network that consists of millions of private public, academic business, and government networks of local to global scope that are linked by a broad away of electronic and optical networking technologies.

The internet carries a vast array of information resources and services, most notably the inter-linked hypertext of the world web (www) and infrastructures to support electronic mail. Perhaps the most dramatic new technology surrounds the development of information supper high way and its bed rock, the Internet. The Internet is vast and burg coming global web of computer or owns within central management or ownership. It was created during the late 1960s by the U.S department of defence, initially to link government labs, contractors and military installations.

The internet links computer users of all types are found in the world. Any one with PC and modern or television and set top was box the right soft ware can browse the Internet to obtain or share information on almost any subject and to internet with other users. Internet is regarded as a catalyst for national development, experiences in one country can be of use in other countries. Internet however accelerates the exchange of information between nations more important between users. The Internet is called the net of nets.

1.2 Statement Of Problem

The main barriers to Internet connectivity in Nigeria can be categorized as follows:

  1. Lack of technical know-how
  2. Lack of inadequate telecommunication infrastructure
  3. Poverty level of the citizenry
  4. lack of technical know-how

The use of internet facilities depends on ones technical know how on the computer. Presently, in the industrialized nations computer is a house hold name everywhere, while in Nigeria, not all educated Nigerians are computer literate. Most computer literates even have their knowledge restrided to the use of the computer as a word processor.

lack of inadequate telecommunication, Infrastructure. Most telephone services in the country art analogues. They are very unreliable and often very noisy with absolute equipment. Poverty level of the citizenry poverty level in Nigeria is high conductivity or individuals to be global village. Internet is very expensive to the average Nigeria.

1.3 Objectives Of The Study

In an attempt to carryout a meaningful and research the Author has decided to set out the following objectives as a guideline with which to adhere strictly to meaningful result.

  1. To ascertain Internet facilities existing in the bank.
  2. To ascertain the specific facilities used by bankers.
  3. To identify the reasons why bankers use internet facilities.
  4. To determine whether the Internet facilities being used is relevant to the needs of bankers.

1.4 Research Question

  1. Is Internet facilities available in your banks?
  2. What specific internet facilities are being used by bankers?
  3. In what extend do you utilize this facilities.
  4. What are the reasons for bankers using internet facilities?

1.5 Scope Of Study

The study is on the use of internet facilities by bankers using the United Banke of Africa (UBA) Plc Owerri as a case study.

1.6 Significance Of The Study

This study will be of great value to both bankers and researchers conducting their studies on the “use of internet facilities or on other related subjects. Besides developing the knowledge of the researcher in the area of use of internet facilities. It will help in creating awareness of the relevance of internet facilities in the banking industry. This study therefore is meant to provide the right perception of used internet facilities and its relevance in efficient service delivery. All things being equal, the research work will serve as a reference document for both theory and applied study in use of internet facilities by bankers.

1.7 Brief Historical Background Of United Bank Of Africa (UBA)

Historical background: United bank of Africa (UBA) was the first Nigerian bank to list on the NSE, issuing on IPO in 1970. The bank was also the first to issue a Global Depositary Receipt (GDR) which has attracted significant foreign investment. In 2005, UBA successfully merged with standard Trust bank Plc in advance of the reform-induced banking consolidation services and international scope; United bank of Africa (UBA) Plc operates a universal bank offering commercial corporate and investment banking services.

The group also owns asset management, custodian and life insurance subsidiaries. It is the only west African bank with a presence in the US, and is present in Ghana through its subsidiary standard Trust Bank Ghana. Vision for growth the bank wants to be the undisputed, leading and dominant financial services provider in Africa.

The bankers strategy is based on leveraging its dominance in the Nigerian financial landscape into Africa then establishing a global brand that will become the bank of choice for transactions involving African businesses wherever they are situated. It also wants to be the dominant Africa-owned bank within five years.

1.8 Brief Historical Background Of United Bank Of Africa (UBA) Owerri

In the year 2000, Standard Trust bank was established in Owerri and in the 2005, standard Trust bank merged with united bank of Africa (UBA) August, 2005.

1.9 Definition of Operational Basic concepts


The use of internet has help alots. One can browse the internet to obtain or share information on almost any subject and to interact with other users, companies are using the internet to link employees in remote offices, distributes sales information more quickly, build closer relationships with customers and supplier and sell and distribute their products more efficiency and effectively.


Internet is being seen as a high level of connectivity that fosters unparalleled degree of communication collaboration, resources sharing and information access. Internet has broken down barriers of communication and information access from any where in the world. It is fast, reliable and does not have restrictions on contents or format.


According to Oxford Advanced Learners Dictionary defined facilities as Building, services, equipment etc that are provided for a particular purpose. facilities can be loan facilities leasing facilities, credit cards, cheques loan syndication: banks usually resort to loan syndication when they find a viable project which one bank cannot finance single-handling.

Credit cards:

Major banks and mercantile trading stores issues these to their customers.


A cheque is a bill of exchange drawn on a banker payable on demand.


According to Njoku. V. Chinedu (2003) Bankers they are people that carried out banking businesses such as receiving monies from outside sources as deposits irrespective of the payment of interest and the granting of money loans and acceptance of credits or the purchase of bills and cheques or the purchase and sale of securities for account of others or incurring of the obligation to acquire claims in respect of loans prior to their maturity.

Chapter Five

5.0 Summary Of Findings, Conclusion

This chapter presents the summary of the findings and conclusion of the study on the use of internet by bankers with particular reference to United bank of Africa (UBA) plc Owerri.

5.1 Summary Of Findings.

Based on the analysis made in chapters, the researcher wishes to make the following findings.

  1. That the bank under study is fully connected to the internet.
  2. That the internet facilities are available to every staff and all are vast in the use of the internet.
  3. That the bankers use the internet on regular basis and a part from banking operations, the internet is also being utilized for educational and research information.
  4. That apart from the banking operations, the internet always satisfy their information need.
  5. A part from the banking official hours most banker surf the internet in the evening hour and their office as well encourages them to surf the net.
  6. That bankers usually do not encourage problem when using the internet and this may be as a result of the vast training given to them on the internet usage.

5.2 Conclusion

It is worthy to state here as observed from the findings that bankers of the United Bank of Africa (UBA) plc uses the internet in regular bases and the internet has been useful to them in searching for educational and research information aside their official obligations. Internet is very essential for all banking operations a sit helps them in delivering of efficiently customers. Also, the internet is an important instrument for obtaining educational and research information relevant to the information needs of the bankers it is surprising to note that bankers do not encounter problem like other people and this is mainly due to the fact that they are usually given proper training and beside they hardly experience power failure as they have stand by plants as well as qualified enginee3rs.

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