CHAPTER ONE

1.1 BACKGROUND TO THE STUDY

The banking industry constitutes one of the pillars in which the economy of
any nation rests. The computer has massive effect. On the nature, quality and
structure of works almost everywhere there by becoming largely responsible for the
emergency of the modern post-industrial societies. Proper application of the
computer is a major technical factor affecting organization efficiency and culture
worldwide.

In the past decades, the introduction of workstation and powerful networking

devices have put computer on the desk of offices. It has continues to play a central
role in the operation of many corporations while other forms of computing are used in
business in various capacities, the largest place in the e-banking environment such
as banking health care government, insurance e.t.c.

The results of the use of computer union bank in banking sector include:

1. E-banking:- Electronic banking also use electronic technology as a substitute

for cheque and other paper transactions.
2. ATM:- Automatic teller machine- these are electronic terminal that permit
banking transaction almost any time. To withdraw cash, make deposits or transfer
fund, between accounts, the user generally insert the ATM card, enter the personal
identification number (PIN).

The use of the ATM is increasing over the years.

 Direct deposit:- it permit the user to authorize specific deposits, such as pay
cheques and social security cheques, to the account on regular basic.
 PC- banking:- personal computer banking permit customer to handle may
banking transaction via- the pc. The customer may use the computer to view the
account balance request, transfer between accounts and pay bills electronically.
 Point of sale transfer:- this allows the user to pay for purchase with a debit
card, which also may be the ATM card.

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 Paying bills on:- line: this is a process whereby remote terminal is linked
directly in to the processor.

The following are steps involves with setting up an on-line paying program.

 First the user must decide if bills are going to be paid through the bank
(assuming the banks offer the service) or through a third party vendor.
 Check out the on-line banking fees to help the user make the decision.
 Once the user have set up the account with the bill paying service provider,
the
user will have to input the address, homes and phone numbers of the payees,
as well as the number for each of the accounts.
 Many banks offer lower checking accounts to customer who refer to bank
ATM,
phone or computer and every few charges on individual account access.

1.2 STATEMENT OF THE PROBLEM OF THE STUDY

Bank and other financial institution to the channeling of funds from areas of
surplus to area of deficit and there by ensure that no sector of the economy is
neglected. This is to assess the physical condition of the various facilities provided in
the study area. To examine strategies of the impact of computer application in
modern day banking system in the study area, this brings to tight the problem
inherit(when to examine strategies of the impact of computer application in modern
day quality, a banking services that do not meet the expectation of customers
dissatisfy them. Nwankwo G.O. in this book writes banking is a dynamic service
industry which changes with and adopts to the changing requirement of the economy
with its services. For these transactions, computer can be employed in maintaining
the records.

However, many people were still in debt whether the introduction of computer
to the banking system could have many relative advantages the question thus is,
what are those relative virtues of the computer over the manual system.

1.3 AIM AND OBJECTIVES OF THE STUDY

2
 To examine the challenges due to the impact of computerization of financial
transaction in Nigeria banking industry with the view to improve upon computer
application practices.

Objective

 To assess the physical condition of the various facilities provided in the study.
 To identify problems confronting the management of the property.
 To examine strategies of the computer application in the study area.
1.4 SIGNIFICANCE OF THE STUDY

Most especially, this research project is not being carried out to bring out any
significance; it may have with most especially, this research project is not being
carried out tom bring out any significance, if may have with any other work already
done in this area but mostly importantly, it is aimed at bringing out into focus, the
challenges of the impact of computer application in union bank along Saw Mill Odo
Okun, Ilorin.

1.5 SCOPE OF THE STUDY

There is always a limited scope in any research work. The scope of this
research is therefore on impact of computer application using union bank along Saw
Mill Odo Okun, Ilorin as a case study.

1.6 LIMITATION OF THE STUDY

Time constraint and finance were major limitation time constraint on the part
of I writers of this project because I lacked adequate time to carry out necessary
things and gathering all information needed.

Financial also barrier on the side of I writers of this project. Furthermore, the
response of the respondents to the questions asked is not guaranteed, some may
respond and respond correctly while others may not respond or even respond
incorrectly.

3
 CHAPTER TWO

2.0 LITERATURE REVIEW

Computer like other electronic equipment uses electricity to work with battery
and called battery powered computers. Every computer work on the instructions
given to it, which determines what, it does and how it is done. The numbers and
letter given to the computer are known as data computer stores the data and the
instructions on its memory, uses the instruction to work on the data could bring out
the answer mostly called the output or information in a way human being can
understand it.

Computer has revolutionized the entire business world most especially, the
banking industries which have must to tend with as a result of large number of
customers. The computer means different thing to different people to some, it is a
terrible complex invention, which is best avoided, while to other it is the “ultimate”
solution to all problems. These are two examples of several misconceptions about
computer while the formal depicts an over whelming technological development the
letter view is rather simplicity as it invariably leads to disappointment and trust ration.

2.1 DEFINITION OF COMPUTER

Computer is an electronic device that accepts, stores and process data to

gives information for management decision making. A computer is also defines as
electronic, which accepts appropriate input signal, process the input in accordance to
set of rules and present the products (output) in a predetermined form. According to
Hard Lucas (1972), computer is an equipment, which is capable of being

4
programmed to handle many different types of information to watch the needs of
particular situation.

The computers have been linked to brain which can be trained to lope with
specific problem. They store information in their memory and can also draw in other
source for input devices.

2.2 CLASSIFICATION OF COMPUTER

Computers are classified into different categories with the following

parameters.

 Purpose
 Data type
 Generations
 Size
 PURPOSE: These are computer that are designed specially for a particular
operation. They can only handle the specific operation they are designed for air
traffic control, computer used in the army of war, some clinical computer such as
hood analyzer.
 DATA TYPE: The largest fastest and most expensive computer system. It is a
time with high degree of accuracy. Examples are Gray x-Mp, Cyber 205.
 GENERATIONS: These computers are designed as to save as a wide variety
of problems and not restricted like special purpose. E.g. personal computer.
 SIZE: This is based on out big and small the computers are. I.e. their physical
size. It must be noted that today’s technology, the bigger a speed.
WHAT IS BANKING?

These are some terms which seemingly in the way they are used in the
content of this project here operational definition of term or words needing
explanation are definition in their technical sense.

 ACCOUNTING: This is the act of recording; classifying summarizing in a

significant manner and in terms of money business transaction in such a way that
the transaction will be kept.

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 INTERPRETATION: It is a function of accounting, is the interpretation of
summaries date in such a manner that the end user can make meaning judgment
about the financial condition.
 CLASSIFICATION: record data are fairly useless unless the can be classified
so that all similar item can be grouped together to distinguish them from the similar
one and thereafter aggregated.
 RECORDING: The acts of recording invade putting to writing or in computer,
transaction of financial character reasonable.
 COMPUTER: this is an electronic machine that can store, organize and final
information also calculating and control other machine. It can also be defined as an
electronic device which accepts dater through the input unit, process dater through
the central process unit and gives out the output device.
 SAVING ACCONT: These are customer account designed to exchanges
small saving on which interest is paid.
 FIXED DEPORT ACCONTING: this is account designed for customers that
want to keep huge amount of money which are kept for fixed period of time or year
for certain purpose and depth want to use for immediate usage.
2.3 ROLE AND FUNTION OF BANKING IN NIGERIA

There are so many problems, encountered in the use of role and function
systems banning (saving and current account) system. In saving department of the
bank, customers account are identified by the use of control which may be ordinary
or advanced than code for ordinary control ranges from 01 to 15 semicolon, the
figure to the right to the colon.

The example, 01-358 represent Mr. Ayoola A.D accont number writing as follow:-

ACCOUNT NUMBER NAME

01-338 A.D AYOOLA

01-339 T.G TIAMIYU

01-340 O.C HUSSEIN

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 The control consist of boxes which store ledgers, the ledgers serve the
function of telling the bank of a customers account state next while passbook serve
as to show customers their deposition and it also shows the number of with drawals.
At the end of the day’s job, the credit ledgers are separated and each (debt and
credit) ledger is summed up and added or subtracted from their previous balance.
The summed up is done manually by an adding machine the cashier has to balance
the debt and credit sides of each customer and at this junction, there may be 5,000
to 10,000 ledger which have to be balanced up for the day and total balance
transferred up to the former ledger which tells the total amount of the money in a
box, the result of adding the balance of each box is transferred to the general ledger
which tells the sum total of money in the savings department. All these process
sometimes takes the cashier three or four day the balance up and this slows down
the rate of work in the savings department in the bank.

2.4 MODERN DAY BANKING AND COMPUTER SYSTEM

The history of bank started with the opening of the colonial bank of faces in
Lagos, Jos and port – Harcourt in 1917, in 1925, Barclays bank DCO acquired and
changed it’s name to Barclay bank DCO (Dominion, colonial and overseas) which is
good example of the mixed bank. With the relative development of the bank, the
following years branches were opened in various parts of the country e.g. Aba
branch was opened in 1926, Ijebu– ode in 1931, Bida in 1953, Katsina in 1955 and
the branches at Kano, Kaduna, Ibadan, Ilorin and sapele opened in 1937.

Following the federal government directive in 1968, which all companies

including banks must be incorporated in Nigeria in 1969 and it was rename Barclays
bank or Nigeria limited with its head office. Formally at 40, marina street, Lagos has
been moved to Victoria Island. As a result of the Nigeria enterprises promotion,
decree of 1972 and 1977, the federal government of Nigeria acquires 52% of bank’s
share learning just 40% for Barclays bank plc while the remaining 8% was taken up
the Nigeria public. The bank sold 505 of its share to the Nigeria public in 1979, thus
reduces its shares to 20%.

7
 After this development, the banks name was changed again to union bank of
Nigeria limited and recently UNION BANK OF NIGERIA PLC to reflect a new
ownership structure.

Federal government 52%

Private Nigeria Investor 28%

Barclays bank plc 20%

With the new name, the bank is now on indigenous bank and no longer a
subsidiary of Barclays bank plc although Barclays bank still offers both technical and
correspondent services as in past. Today, union bank was well over 22 branches
nation wide and branch in London. It has a work force of over eleven thousand
employee of which are are expatriation and are in specialized field, are training
centres located at Yaba and Ijora both in Lagos state, port – Harcourt, Jos and Zaria.
The bank also has an asset base of about ₦96 billion and liquid property of over ₦2
billion.

ADVANTAGES AND DISADVANTAGES OF COMPUTER SYSTEM TO MODERN

ADVANTAGES

 Computers have made many tasks of modern life like buying and banking
more
convenient. We can shop and bank from our homes any time of the day and
night.
 Computers have made lot of computational and clerical work easy.
 Computer has given easy access to lot of useful information through the
internet.
 Computers have made it easy for us to communicate and keep in
touch with others.
 Computers have made available to us many new form of entertainment like
computer games.
DISADVANTAGES

8
 In spite of continuously reducing prices, computers are still costly as
compared to the pen and pencil they replaced.
 Uses of computer require additional efforts in form of developing software and
learning to use computers.
 Once an application on computer is developed and implemented, it becomes
difficult to make even minor modification.
 Excessive use of computer for communication and keeping in touch with
others threatens to reduce the intensive of personal bond that often develops
between people.

CHAPTER THREE

3.0 RESEARCH METHODOLOGY

Having reviewed existing literature on the introduction of computer to the

banking system, this chapter seeks to give a detailed description of the various steps
employed in the process of data collection used in the study. In essence, this
computer provides a description of the sources and methods of data collection used
and method of data collection used for sourcing information about the research topic.

The methodology also covers as far as the administration of the research

instrument used.

3.1 THE RESEARCH POPULATION

In research methodology the work is designed for collecting. Analyzing and

presentation of data. All data were collected through primary and secondary source
which has given important or vital information needed for this project. Primary

9
method for survey of this project was carried out by personal observation and
interviews method and it is to collect non – desisting information for research
operation. It focuses on different section of standard techniques of information
gathered primary source of data can be used through these categories such as mail,
questionnaires observation and interviews method.

Therefore, secondary method based on information arrived through journal,

magazine, textbook and online newspaper secondary source of data used to collect
existing information needed for the study and help in facilitating the process of
getting information which will also make our project process cheaper and efficient by
collecting of data through some textbooks and then this also focuses on diffe4rent
section of standard techniques of information gathered.

In view of the general behaviour of the public and particularly, the skepticism
of bank official towards conducting research of this nature, towards conducting
r4esearch of this nature, this primary data collection was a bit different hence, where
necessary data collection was to be restored, to limitation of finding due to banks
protocol.

3.3 METHOD OF DATA ANALYSIS

To seek the opinion of bank official, the researchers’ use of research

question. Inform of personal interviewers which were used to addict their response

on the introduction of computer to the banking system and the data collected from

the respondents were also analyzed by using percentages.

Former for the use of percentage

Percentage (%) = F/N x 100/1

Where F = Total number of frequency 100

3.4 LIMITATION OF THE STUDY

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 The scope of this research was limited by certain unavoidable factor inherent

in the environment the factors are: –

The scope of this research was limited by certain unavoidable factors inherent

in the environment the factors are: – the issue of secrecy of certain information on

which would have added more favors to the research is a hindrance. There is a limit

to the extent to which information can be released nature and complexity of the

present also limit the scope this research is that member of staff cannot be reached

while some are always on that field.

Moreover, the time and financial constraint does not give room to sample the

opinion of all the staff union bank of Nigeria plc, the feelings of seeking for personal

data from the respondents and their level of education, most especially the skilled

and junior workers limit the scope of the research.

CHAPTER FOUR

4.1 DATA PRESENTATION AND ANALYSIS

There, data deals with analysis of data selected during the research survey,
the data was analyzed and presented based on the research question where
grouped together according to their relevance of the reach question from which they
are drawn. The preference of response on each major item was concerted to simple
percentages from these interpretation of the data was made the research question
where tasted in the high of the response of the questionnaire passed to the
respondents.

Fifty (50) questionnaire were distributed and forty (40) were retrieved
representing 80% achievements. The questionnaire was group into two (2) sections,
section A and B reprehensively. Where section (A) contains information about

11
property management problems and section (B) contain information about the
respondents.

Section (A) had thirteen (13) questions while question (B) had eight (8) questions,
which all together had twenty one (21) questions each. From the fifty (50)
questionnaires, it could be analyzed that 11 of the questions were answered.

This can be shown in the table below.

QUESTION CONTAIN IN QUESTIONNAIRE

SECTION A (INFORMATION ABOUT PROPERTY OF MANAGEMENT

PROBLEMS).

Table 1 method of payment to the property (Bank).

BANK NUMBER OF PERCENTAGE OF

OBLIGATION RESPONSE RESPONDENTS

Bank’s payment 20 50%

Internal repairs 10 25%

Insurance 10 25%

Total 40 100%

Source: Field survey (2012)

The table above shows that, the bank’s obligation have 20 which is taking the 50% of
the total number of respondents, payment of internal repairs have 10 number of
responses which is also taken as 25% of the respondents and is having 25% of the
respondents. In the case with the analysis provided, it can be shown that, the
payment of bank is a critical problem that is facing in the rent obligation, which is part
of the property management problems.

12
Table 2: The major computer application.

Source: Field .survey (2012)

The table above shows that, 37.5% of the respondents stated rent default,
25% stated rate payment default and 25% stated poor bank’s selection while 12.5%
stated incompatible use.

This shows that, the payment of rent default, the rate default, poor banker’s
selection and incompatible use are the major computer application problems founds
in the study are but the critical problem facing is the payment of rent default which
have highest percentage i.e. 37.5% in the case study.

Table 3: the major property of the management

LACK OF ENOUGH NUMBER OF PERCENTAGE OF

FACILITIES RESPONSE RESPONDENTS

Air condition 20 50%

Toilet facilities 15 37.5%

Electricity 5 12.5%

13
 Total 40 100%
Source: Field survey (2012)

According to the table the shown above, it can be shown that, 37.5% of the
respondents stated toilet facilities, 50% stated air condition and 12.5% stated
electricity.

This shown that, air condition is the major property management problems
found in the study area.

Table 4: incompatible uses of the property (Bank)

INCOMPATIBLE NUMBER OF PERCENTAGE OF

USE RESPONSE RESPONDENTS

Commercial use 20 50%

Residential use 10 25%

Institutional use 5 12.5%

Recreational use 5 12.5%

Total 40 100%

Source: Field survey (2012)

The table above shows that, 50% of the respondents stated commercial uses,
25% stated residential uses, 12.5% stated institutional uses while 12.5% stated
recreational uses.

This shows that, majority of the incompatible uses of property in the study
area are commercial uses which have highest percentage of the respondents i.e.
(50%) which is equally leads to the property management problems.

14
Table 5: Non – chalant attitude of the bankers

NON – CHALANT NUMBER OF PERCENTAGE OF

OF THE BANK RESPONSE RESPONDENTS

Negligence 20 50%

Behaviour

payment of PHCN 10 25%

Bill

Payment of rate 10 25%

Total 40 100%

Source: Field survey (2012)

The table above shows that, 50% of the respondents stated negligence behaviour,
25% stated payment of PHCN Bill while 25% stated the payment of rate. This shows
that, non – chalant attitude of the tenants and negligence behaviour of the
respondent is critical problems found in the study area.

SECTION B (INFORMATION ABOUT RESPONDENT’S DATA ANALYSIS)

Table 1: Type of building (Bank)

Building Years stayed in Number of Percentage of

types the bank response respondents

Detached Below year 5 19 47.5%

Bungalow Above years 5 10 25

15
 Semi Exactly years 5 11 27.5%

detached

Source: field survey (2012)

Table above shows that 47.5% of the respondents stated that, the type of building
(Bank) in the study area are detached 25% stated bungalow also 27.5% stated semi
– detached.

This shows that, detached, bungalow and semi – detached are the type of
building found in the study area.

INFORMATION ABOUT PROPERTY (BANK)

Source of the water supply in the property.

Table 2: type of water supply

WATER PERCENTAGE OF

SUPPLY NUMBER OF RESPONSES RESPONDENTS

Well water 5 12.5%

Pipe borne 23 57.5%

water

Bore – hole 3 7.5%

None 9 22.5%

16
 Total 40 100%

Source: Field survey (2012)

Table above shows that 12.5% of respondents stated the source water supply
is well water, 57.5% stated pipe borne, 7.5% stated borne while 22.5% stated that,
there is no provision made for water in the study area.

This shows that majority of the property used pipe borne water in the study
area which provide that water supply is mostly from pipe borne.

Source of power supply to the property.

Table 3

TYPES OF POWER NUMBER OF PERCENTAGE OF

SUPPLY RESPONSES RESPONDENTS

Public supply 16 40%

Private supply 1 2.5%

Both 23 57.5%

Total 40 100%

Table above shows that 40% of respondents stated public supply 2.5% stated
private supply also 57.5% stated both.

This show that, the sole source of power supply to the property is public and private.

The number of toilet provided in the property (Bank)

Table 4

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 Number of Percentage of

Number of toilet responses respondents

Above four 5 12.5%

Four 5 12.5%

Two 25 62.5%

None 5 12.5%

Total 40 100%

Source: Field survey (2012)

Table above shows that 12.5% of respondents stated above four, 12.5% stated four,
62. 5% stated two while 12.5% stated none.

This shows that property at study area have two (2) toilet in the building (Bank).

The types of toilets provided in the property (Bank).

Table 5

TYPES OF POWER NUMBER OF PERCENTAGE OF

TOILET RESPONSES RESPONDENTS

Water closet 28 70%

Pit latrine 8 20%

Others 4 10%

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 Total 40 100%

Source: Field survey (2012)

Table above shows that 70% of respondents stated water closet, 20% stated pit
latrine also 10% stated others.

This shows that, most of the building in the study area are using water closet.

SECTION C (INFORMATION ABOUT BANK MANAGER)

Response, which carry – out repair and maintenance.

Table 6

PROPERTY NUMBER OF PERCENTAGE OF

MANAGEMENT RESPONSES RESPONDENTS

Bank management 17 42.5%

Bankers 20 50%

Others 3 7.5%

Total 40 100%

Source survey (2012)

Table above shows that 42.5% of respondents stated bank management 50% stated
banker’s while 7.5% stated others.

This shows that, the bankers are responsible for repair and maintenance of the
property.

Method of deposit and withdraw in bank

Table

19
 METHOD OF NUMBER OF PERCENTAGE OF

DEPOSIT AND RESPONSES RESPONDENTS

WITHDRAW

Monthly 6 15%

Quarterly 9 22.5%

Yearly 25 62.5%

Total 40 100%

Source: Field survey (2012)

Table above shows that, 62.5% of respondents stated monthly, 22.5% stated
quarterly also 15% stated yearly.

This shows that, payment (deposit) and withdraw are mostly on monthly basis.

The relationship between you and manager.

Table 8

RELATIONSHIP NUMBER OF PERCENTAGE OF

BETWEEN YOU AND RESPONSES RESPONDENTS

MANAGER

Excellent 21 52.5%

Very good 19 47.5%

Total 40 100%

Source: Field survey (2012)

The table above shows that, 52.5% of respondent stated excellent while 47,5%
stated very good.

This shows that, there is cordial relationship between customer and manager.

20
The management style of cost study

Table 9

MANAGEMENT OF NUMBER OF PERCENTAGE OF

STYLE RESPONSES RESPONDENTS

Excellent 1 2.5%

Very good 9 22.5%

Good 12 30%

Fair 18 45%

Total 40 100%

Source: Field survey (2012)

The table above shows that 2.5% of the respondents stated that their management
style is excellent, 25.5% stated very good, 30% stated good and 45% of the
respondents stated fair.

This shows that, management style of property (bank) in the study area is fair and as
a result of this, the management needs to purchase sets of computer application
system, instead of managing his property by himself.

Table 10, the opinion of the respondents on cost of training in the bank.

OPTION NUMBER OF RESPONSES %

Derete 201` 75%

21
 Low 70 25%

Total 280 100%

Source: Field survey (2012)

Questionnaire been taken from the staff of UBN (Ilorin) 2009 from the above table,
75% (210) staff agrees that the cast on the training is moderated on the bank which
25% (70) of the staff disagreed.

Table 11, respondents opinion on whether the cost of the training should be
deducted from staff salaries (those partaking in the training).

OPTION NUMBER OF RESPONSES %

Yes 50 18%

No 230 82%

Total 280 100

Source: Field survey (2012)

Question been taken from the staff of UBN (Ilorin) 2012 from the table 11 above,
18% (50) staff agreed that the cost of training should be deducted from staff salaries
while 82% (230) of the staff disagree with the idea.

Question been taken from the staff of UBN (Ilorin) 2012 from the table 11 above,
18% (50) staff agreed that the cost of training should be deducted from staff salaries
while 82% (230) of the staff disagree with the idea.

22
 CHAPTER FIVE

SUMMARY, FINDINGS AND CONCLUSION

The elevation of union Bank plc. Management policy on computerization

reflect the growing of computerization in the Nigeria public information aspect of any
process in dived in business, manufacturing, or science can be computerized. Banks
have many function but the most common is the deposit and withdraw of money
most banks throughout the country are now converting to electronic data processing
as means of handing cheque that are presented each day for transactions. The

23
study focus on the service rendered in the banking department since the manual
operating system ahad spitted the account of departments.

The banking department maintained the customer accounts, which include the
cheque form bills for collection, cheque paid in by teller cheque presented for
chasing e.t.c.

5.1 SUMMARY OF FINDINGS

After presenting all the data collected and analyzing them critically it can be
summarized that problems encountered during management of computer application
when the banking industry was without computer application system, from the
response obtained from respondents, different solutions were proffered towards
solving these problem. Some of these solutions include the provision of more
computer application system, compliance to covenant contained in the bank
agreement e.t.c.

The management of the bank should be by qualified values, the noble

profession that are keenly exposed on pure management. Finally, it is of the opinion
and recommendation that value should be appointed and involved in management of
computer application system because it needs the expert experience and training
irrespective of what is on ground that the said property (Union Bank along Saw Mill
Odo Okun) is owner managed.

5.2 CONCLUSION

The introduction of electronic computer to the banking system is the area of

data processing opened up a new area of business environment.

At first, the computer was merely treated as a faster form of the existing mechanical
aids. But later, it was realized that the computer made possible a completely
approach the bank problems and their management.

The use of computer involves a much high degree of re – planning and control
if the must be economical and profit earning, infact, the development of the use of
computer as a sophisticated tool in modern methods of banking activities has
imposed a requirement for a completely computerized banking industry. In the final

24
analysis. It’s obvious that the concept of computerization banking activities has come
to stay in Nigeria banking system / commonly and the UNION BANK of no exception.

5.3 RECOMMENDATIONS

The research work had made it clear that the introduction of computer to the
banking system was necessary since many of the activities would have been
penalized if not for the emerge not of the computer. Thus, the following
recommendation was made so as to promote and improve the computerization of the
banking system most especially the union bank of Nigeria plc.

 The staff must commit themselves to enhance the degree of responsibility.

 There is need to set up staff training school on the uses of application of
computer to the various section of the banks.
 Ensuring that staff understands relevance codes of conduct and ensuring that
operation procedures and conditions meet these requirement.
 System must be updated in essential for the computer to succeed.
 Adequate and proper inspection should be carried out so as to avoid
manipulation, classification and alteration of records.
 Review the financial statement prepare with the computer checking the
consistency of related terms.
 Ensure that the receiving cashierdoes not has access to the ledger and also
ensure that the ledger clerk does not handle cash.
 Check that rough cashbook and the final cashbook distinguished between
cheque and cash received and that the totals of each correspond to the cash
received
 Computer literary should be introduced to all management staff in respective
of area of specialization.
 Computer rooms have to be kept under a conducive atmosphere condition to
prevent damage and also ensure that the information recorded in the computer is not
temper.
In addition to all these requirement spare parts of the computer should be
readily available is case of any breakdown.

25
 REFERENCES

Allsop (1979): Management in The Professional Business, New York, allserts and
co, limited

Ajayi C.A. (1998): Property investment valuation and analysis, Ibadan, De – ayo
publication.

Brown, mark (1992): Project Administration in a week London, head – way, hodder
and stroughtan limited

Barlowe, R. (1978): Land Resources Economic, London, prentice – hall. Inc.

Bello, M.A. (2002): Project Administration in property development, Ibadan,

university press.

26
Ijaya M. (1996): Research Methodology, Nigeria Publisher, Federal Polytechnic
Offa, kwara state

Nwankwo P.C (1995): Property Administration practice in Nigeria, nsuka, Business

Gazette Limited published.

Owoniyi M.I. (1994): Maintenance and Rehabilitation of Urban and Regional

planning, Ibadan, mc graw hill.

Stapleton (1981): Business Administration Practice, London, Business Gazette

Limited.

Thorn croft M. (1995): Principle of Business Administration. London, Estate Gazette

Limited.

Zane (1997): Administration Office Management, New York, Business Gazette

Limited.

QUESTIONNAIRE FOR UNION BANK ALONG SAW MILL ODO OKUN

This questionnaire is designed to collect data for the project titled “THE
IMPACT OF COMPUTERIZATION OF FINANCIAL TRANSACTION IN NIGERIA
BANKING INDUSTRY”. It is embarked upon as part of the N.D dissertation of the
department of business studies administration, Kwara state polytechnic, Ilorin. As a
purely academic exercise and information supplied shall be strict confidence.

SECTION A: – INFORMATION ABOUT THE RESPONDENT

 Name and address of the respondent _________________

 Occupation _____________________
 Age ______________________
 Relationship with manager _______________________

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(a) Friend (b) brother or sister (c) relation (d) other

 Religion ____________________
 Trade _____________________
 Marital status _______________
 Education __________________
2) How long have you been in occupation of the building ______________
3) What bene�t do you drive from occupation __________
4) Do you pay your rent regularly ________________
SECTION B: – INFORMATION ON BANKING SYSTEM

Name of the computer system

a) Laptop, b) desk top

Size of the computer system

a) Pentium three b) Pentium four

Facilities provided _________

What problem do you encounter as a customer? __________

What are the sources of power supply to the bank? _____________

What is the number of toilet provided to the bank?

a) Two (b) four (c) above four

What is the type of toilet provided in the bank?

a) Pit latrine (b) water closet (c) other none of the above.

SECTION C: – INFORMATION ABOUT THE BANK MANAGER.

Name of the bank manager ______________

Address of the bank manager ______________

What is the method of deposit and withdraw?

(a) weekly (b) monthly (c) quarterly (d) yearly (e) none of the above.

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Describe the relationship between you and the bank manager.

a) Excellent (b) very good (c) good (d) fair (e) poor.

What can you say about the manager style as it relates to bank property?

a) Excellent (b) very good (c) good (d) fair (e) poor.

With respect to question five

(5) above, give reason for your chosen option

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