On the determinants, gains and challenges of electronic banking adoption in Nigeria

What is it about?

Narrowing digital divide, growing mobile penetration and enabling policies have increased e-banking adoption. So much so that access to mobile phones could now mean access to financial services in Nigeria. However, the absence of strong regulations has exposed e-banking adopters to e-fraud. A situation that has dealt a blow to the so-called cashless economy ambition of the Nigeria government.

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