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 page ii

Dedication iii

Acknowledgement iv

Table of Contents vi

Abstract vii

CHAPTER 1; INTRODUCTION

Background of the Study 1

Statement of Problem 6

Objectives of the Study 8

Scope and Delimitation of Study 8

Research Questions 9

Significance of the Study 10

Definition of Terms 10

CHAPTER 2: REVIEW OF RELATED LITERATURE 12

CHAPTER 3: METHODOLOGY AND RESEARCH DESIGN

Research Design 41

Area of Study 41

The Population and Sampling Technique 41

Types and Source of Data 42

Research Instrument 42

Reliability and Validity of Instrument 42

Method of data Collection 43

Method of Data Analysis 43

CHAPTER 4: PRESENTATION, ANALYSIS AND

INTERPRETATION OF DATA 44

CHAPTER 5: DISCUSSION, IMPLICATION AND

RECOMMENDATION

Discussion of Result 54

Conclusion 57

Implication of the Result 59

Recommendation 61

Suggestion for Further Study 66

Limitation of the study 66

References

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APA

ShC49Ph5c0009dd836123.71809855, B. (2018). THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU). Afribary. Retrieved from https://beta.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400

MLA 8th

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)" Afribary. Afribary, 29 Jan. 2018, https://beta.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400. Accessed 05 Nov. 2025.

MLA7

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 . "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)". Afribary, Afribary, 29 Jan. 2018. Web. 05 Nov. 2025. < https://beta.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400 >.

Chicago

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 . "THE IMPACT OF UNIVERSAL BANKING CONCEPT IN FINANCIAL SERVICE DELIVERY (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, OKPARA AVENUE, ENUGU)" Afribary (2018). Accessed November 05, 2025. https://beta.afribary.com/works/the-impact-of-universal-banking-concept-in-financial-service-delivery-a-case-study-of-first-bank-of-nigeria-plc-okpara-avenue-enugu-5400

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

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