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Research Article Open Access

A Qualitative Study of the Problems and Prospects of Online Banking in Developing Economies – Case of Nigeria


The dawn of the new millennium brought with it a plethora of activities that has impacted strongly on the academic field especially consumers’ adoption of new technologies. This has continued to generate a great deal of interest in the academic arena and the business sector is not an exception. Researchers in these fields have been and are still formulating and extending various theories for online context. In an attempt to advance knowledge in these areas as well as build a concrete foundation which can serve as a spring board, various published literatures have been reviewed in different countries and at various times. The purpose of this paper is to qualitatively explore the problems and prospects of online banking in developing economies with Nigeria as a case study. The analysis of the data gathered produced various reasons for the non adoption of internet banking services in Nigeria. The findings provide a basis for financial managers to understand the reasons for non-adoption on this innovative services as well as paves ways to enhance the creation of awareness and promotion.


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