ICT Revolutions in the Banking Sector of Nigeria: Determinants of E-Payment Channels By Customers

Over two decades, the banking industry in Nigeria has been experiencing unprecedented ICT revolutions. These dynamics are reshaping and remodeling entire sector. It is revolutionizing traditional methods using e-banking as an excellent tool for driving fast financial transactions. E-banking offers tremendous transaction opportunities to customers. This study examined factors that determine customers' choice of platform Nigeria. The predictors considered here Usefulness, reliability, ease use security. used a survey method. sample size was determined Survey Monkey Sample Size Determinant Technique at 3.3 margin error with 95 per cent confidence level. Semi-structured interview questionnaire retrieve data from participants. Elucidated analyzed descriptive parametric statistics. Results revealed 71.5 participants reported electronic payment channel easy use, 99.5 Usefulness channel. Only 27.9 said channels secured safe. Again, 47.7 reliable. From statistics carried out, result security, reliability significant drivers e-payment channels. recommends need banks, fintech, regulatory agencies put place structures resources will help improve safety platforms their reliability.