COMPUTERISATION OF BANKING SERVICES LIMITATIONS AND PROSPECTS A CASE STUDY OF UNITED BANK FOR AFRICA PLC (UBA PLC) LAGOS
COMPUTERISATION OF BANKING SERVICES LIMITATIONS AND PROSPECTS A CASE STUDY OF UNITED BANK FOR AFRICA PLC (UBA PLC) LAGOS
No Thumbnail Available
Date
1992-12
Authors
AHMED, GLADYS OBIAGELI
Journal Title
Journal ISSN
Volume Title
Publisher
Abstract
Computer prospect are very bright in the banking industry as a
tool to facilitate banking services for their customers.
In Nigeria, it is unfortunate that the powers and benefits of
computerisation is yet to be exploited.
Customer satisfaction in service environment has not fully
utilised the facilities and computers available within this
context.
Little did the researcher know that computer usage in the banks is
in shamble and seriously under utilised with particular reference
to UBA PLC, Lagos.
The bank is engulfed with numerous problems which hinders
effective use of the equipment to increase efficiency and
productivity in their operations.
UBA PLC have to really, stand-up on their feet to improve on
quality of customer service, because some of the banks customers
especially the individual depositors do not see appreciable impact
on the use of computer to the banks.
In order to improve on Customer services efforts should be made to
address the issue of man power resources, - software, power
failure and maintenance of the equipment.
United Bank for Africa, UBA PLC, as one of the Top tree with its
numerous customers both corporate and individual bodies can afford
to maintain computer hardware system.
The banking service is automation and not manual. So for the bank
to operate effectively in order to meet the customer demand, these
machines ought to be put in shape without minding the course. It
is just like a farmer going to the farm without his tools he
cannot perform at all.
Despite its efforts to satisfy its numerous customers with the
creation of corporate branch office, and express service delivery,
the problem of queue still exist. These group of customers,
corporate customers form part of the heavy savers. Express service
delivery is given to customers not from corporate branch in order
to ease the queue when they come to withdraw huge amount.
He is given the priority to cash his money with special attention
in order for the cashier to authenticate the signature and at the
same time lessen the queue for low savers. A seperate counter is
given to a customer to counter his huge some say N10,000 and
above to reduce the waiting time of customers.
United Bank for Africa UBA, should go beyond data processing where
they so much batch process for computer print outs which provide
information to the branches at the beginning of the day for the
cashier to know the customer outstanding balance.
They should embrace Network system, On-Line-Real-Time, in order to
stand and face the challenge of competition new and competent
banks when it comes to customer services.
The products of electronic banking automated teller machine, ATM
should be sort for to facilitate customer services. There is no
way a bank can operate this ATM for express service without
Network System. Here the customer transact the business alone
without having a contact with the cashier. It operates 7 days in
the week and 24 hours. Banks who use this facility enjoys the
customer services.
Description
Being a project submitted to the
Postgraduate School,
Ahmadu Bello University Zaria,
in partial fulfillment of the requirements
for the Award of Master in
Business Administration (M.B.A) Degree
DEPARTMENT OF BUSINESS ADMINISTRATION
FACULTY OF ADMINISTRATION
AHMADU BELLO UNIVERSITY
ZARIA
Keywords
COMPUTERISATION,, BANKING,, SERVICES,, LIMITATIONS,, PROSPECTS,, CASE STUDY,, UNITED BANK FOR AFRICA,, LAGOS