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IMPACT OF CASHLESS POLICY ON THE PERFORMANCE OF FINANCIAL INSTITUTION NIGERIA
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Table of contents
CHAPTER ONE: INTRODUCTION 1
1.1 Background to the Study 1
1.2 Statement of the Problem 4
1.3 Research Questions 5
1.4 Research Objectives 5
1.5 Research Hypotheses 6
1.6 Significance of the Study 6
1.7 Scope of the Study 7
1.8 Operational Definition of Terms 7
CHAPTER TWO: LITERATURE REVIEW 8
2.1 Conceptual Review 8
2.1.1 Understanding Cashless Policy 8
2.1.2 The Mechanics of the Cashless Policy in Nigeria 11
2.1.3 Benefits of the Cashless Policy to the Nigerian Economy 19
2.1.4 Challenges of the Cashless Policies 23
2.1.5 Financial Performance 26
2.2 Theoretical Review 28
2.2.1 Technology Acceptance Model (TAM) 28
2.2.2 Diffusion Innovation Theory (DOI) 29
2.2.3 Modern Theory 30
2.3 Empirical Review 30
2.4 Gaps in Literature 36
CHAPTER THREE: METHODOLOGY 37
3.1 Research Design 37
3.2 Population of the Study 37
3.3 Sampling and Sample Techniques 37
3.4 Source and Type of Data 38
3.5 Method of Data Analysis 38
3.6 Model Specification 38
CHAPTER FOUR: DATA ANALYSIS AND INTERPRETATION 40
4.1 Descriptive Statistics of the Variables 40
4.2 Graphical representation of the variables at pre-cashless period of the
selected banks within 2010-2013. 42
4.3 Descriptive Statistics of the Variables 45
4.4 Graphical representation of the variables at post-cashless period of the
selected banks within 2013-2017. 47
4.5 Correlation Matrix 49
CHAPTER FIVE: DISCUSSION, CONCLUSION AND RECOMMENDATIONS 51
5.1 Discussion of Findings 51
5.2 Conclusion 52
5.3 Recommendations 52
References 54
Abstract
The objective of this study is to examine the effect of cashless policy on the performance of financial institution. It specifically examined the difference in the return on asset of Nigerian banks before and after the adoption of the cashless policy; determine the difference in the return on equity of Nigerian banks before and after the adoption of the cashless policy; and ascertain the difference in the earning per share of Nigerian banks before and after the adoption of the cashless policy. This study covers the impact of cashless policy on the performance of financial institutions. The scope of the study covers banking industries listed in Nigerian Stock Exchange. Also, the study will cover the period of fourteen (14) years, 7 years before the introduction of cashless policy (2005-2011) and 7 recent year after the introduction of cashless policy (2012-2018). Results showed that the ROA (return on asset) before cashless policy period and ROA1 (return on asset) after cashless policy period has a positive relationship of 0.57%. The ROE (return on equity) before cashless policy period and ROE1 (return on equity) after cashless policy period has positive relationship 0.34%. The EPS (earning per share) before cashless policy period and EPS (earning per share) after cashless policy period has a positive relationship of 0.78%. It was concluded that there was significant impact of cashless policy on performance of financial institution in Nigeria.
Keywords: Cashless policy, Financial Performance
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