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COMPUTERIZATION OF CUSTOMER SERVICES IN NIGERIAN BANKS



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ABSTRACT
(COMPUTERIZATION OF CUSTOMER SERVICES IN NIGERIAN BANKS).
This write  up is an attempt to throw more light on the computerization of customers services in Nigeria banks  have been poor this  is because customers claim  that the bank services is slow and their   time is mostly wasted. But on the side of the bank. They have to ensure that the transaction are properly recorded with the sole purpose  of having  a satisfactory record to dis-aviod misappropriation and frond be some  disgruntled elements.

This is the basis function  of any bank but unfortunately this function seems to cause most of the banks inability to meet customers demand with the computer being the fastest mode of data processing, Nigerian bank has how employed the use of computation customer services, which has proven to improve their performance. In view of this research project to analyze the use of computer in customers services in Nigerian banks with the main purpose of identifying problems, advantages, disadvantages and also suggesting variable ways of enhancing good or better customers services in Nigerian Banks talking about the  United Bank for Africa as a case study.
                                                                                   

                                                                                                                                            





TABLE OF CONTENT
Title page                                                                            i
Declaration                                                                         ii
Approval                                                                            iii
Dedication                                                                          iii
Acknowledgement                                                                         iv
Abstract                                                                              vi
Table of content                                                                   vii

CHAPTER ONE
1.1     General Background of the study                                     1
1.2     problem statement                                                                   3
1.3     Aims and Objectives of the study                                     3
1.4     Significance of the study                                                         5
1.5     Hypothesis of the  study “                                               6
1.6     Scope of the study                                                                   7
1.7     Summary                                                                    7

CHAPTER TWO
LITERATURE REVIEW
2.1     Introduction                                                                           8
2.2     History of computers                                                     11
2.3     classification of computers                                              13
2.4     classification of type                                                      13     
2.5     classification by purpose                                                          14
2.6     classifications by the age of technology                              14
2.7     Advantages of computer in banks                                    16
2.8     operation of United bank for Africa Plc                             18
2.9     Control in EDP system                                                  20
2.10   Summary                                                                    22
                       
CHAPTER THREE
3.0     Research Methodology                                                  24
3.1            Introduction                                                                         24
3.2            Description of population                                              25
3.3            sample  of the  study “                                                   26
3.4            instrument used “                                                        28     
3.5            Data gathering procedures                                              29
3.6            Data analytical procedures                                              30

CHAPTER FOUR
4.1     Introduction                                                                         31
4.2     Presentation of personal interview data                             32     
4.3     entries posting                                                              37
4.4     Summary                                                                    41

CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
5.1            Summary                                                                    42
5.2            Conclusion “                                                                45
5.3            Recommendation                                                         46     
Bibliography                                                                48     
          Appendix                                                                   49  





CHAPTER ONE
INTRODUCTION
1.1   GENERAL BACKGROUND OF THE STUDY
The United bank for African plc has it’s antecedents rooted in that of its processor. British and French bank limited. The British and French bank Limited itself, metamorphosed from Banque National Pource commerce et al industries of paris (establish in 1952) Massrs E.G. Humgerbulher and C.H. Baker arrived in Nigeria in the early 1949 from BNCL, Paris.

But men made the British and French bank, Mr. Hungenblulen left shortly after the bank was established while Mr. Baker stayed back for few years as aim officer. Another big influences are the establishment of the bank was Mr. Herte Wroche. He was the head of the international division at BNCI and contributed immensely to the rapid growth of the new bank. In May, 1949, the British and French Bank began, operation in Nigeria, at 117, broad Lagos, which today house apart of the kin’s way stocks complete. The bank occupied a floor  of the building at the function of Danies and Broad street, the Bank official opened to business in  December  1949 with a  staff strength of about 12.

The bank when public under French man who was seconded from BNCI Paris in 1960 in accordance with the policy and intention of the French owns of the bank to sell of some of its shares to Nigerians. On February 23 196, the United Bank for Africa Plc was incorporated to takeover the asset and liabilities of the British and French bank. The official opening of the bank for business under the new name was on October 3rd 1961. Its registered office was at 129129 broad street, Lagos  with it  establishment UBA became  the first Bank among the international banks  operating  in Nigeria at the to be  registered under the Nigerian law.

Its paid up capital was over four million the following banking were.

-                     British and French bank
-                     Bank Nazi onaledell laurro of Italy
-                     Moute  Dei Paschi desiena of Italy
-                     Banks Trust of New  York, USA
-                     Amsterdam Rottedam Bank of Holland

By  1961 the bank  had grown from the  its one office structure  to 10 Branches located in Lagos, Kano, Kaduna and Porthacourt from that time the bank starts to grow strength  to strength. Today UBA Plc has over  two hundred and fifty branches spread across the country with experience staff posted  to every  branch. It has a string capital base and rated as third strength. Bank in the country interms of capital base and asset     

1.2   PROBLEM STATEMENT
Findings and research about this research project problem is critical and serious in banks because of the increase of employment of unqualified staff and poor service render to customers in banking industries over the years (1998-2002) appears to indicate unambiguously the  lack of computerization of customers services in the banking industry is the main  cause of those  defects                                                                                                                                 
              
Low productivity among the commercial banks are also cause by lack of computerization of customer service of bank and are hardly solved without the use  of computers in the banking industries.

1.3   AIMS AND OBJECTIVESOF THE STUDY
Generally, before any research is carried out there   most  be an aim to that exercise this are the aims:
-                     Analyzing the role of computer in the activities of the bank as its effect on customer  services.


-                     To relate the role to its practical application in united bank for Africa UBA Plc
-                     To demonstrate the need for computerized customer services in UBA Plc
-                     To appraise the future and or bankers of computer as it affects customer service in banks (if any)
-                     To offer suggestion where possible to some problem faced and to recommend to users certain producer that will enhance the achievement of effective and efficient computerized customers services in UBA Plc.
-                     To contribute to knowledge generally.

1.4   SIGNIFICANCE OF THE STUDY
The significance of the study is that the customers and staff of UBA Plc in particular and the public in general will be able to know the importance attached to the use of computer in the banking industries with special reference to UBA Plc Kaduna main branch.
They will also be able to know how efficiency affects the customers of the bank.

At the end of this research work, the researcher’s knowledge will also increase as to the use computer in UBA Plc and the advantage attached to it.

1.5   HYPOTHESIS OF THE STUDY
Hypothesis is a guess of specific expectation about the nature of things derived from problem, it is a tentative and testable explanation usually in declaration from the relationship between variable either general or specific.
Alternative: The computerization of customers services is UBA Plc Kaduna main Branch has no effect to customers.

Null: the presence of computer in UBA Plc Kaduna Branch has greatly enhance the reliability and attentiveness of services rendered to customers”                
         
These are assumptions that this research work is to confirm true or otherwise.

1.6   SCOPE OF THE STUDY
The focus of the research work covers computerized customers services in UBA Plc, Kaduna Branch as a case study. The study is therefore limited to the Kaduna main branch of UBA Plc only. It will not extend to other branch within Kaduna State  and it is also from 2003 to 2007.                                

1.7   SUMMARY
In view with the significance of the introduction of computer  to banking sector, the customers and staff of United sector, the customers and staff of United bank for African Plc in particular and the public in general will be able to know the importance attached to the introduction of computer.

And also the researcher of this project work  will also increase  in knowledge about computer and advantage attached to  it.
 

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