Browsing by Author "Abdulkafeel Safiyat Lami"

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    Digital Transformation and Financial Services in Nigeria
    (African Scholars Multidisciplinary Journal, 2026) Ighodalo David Ehizojie; Adu Cecilia Adurayemi; Abdulkafeel Safiyat Lami
    Digital transformation has profoundly reshaped financial services globally, and Nigeria stands as a key example of rapid digital adoption in Sub-Saharan Africa. This paper examined the evolution, drivers, challenges, and impacts of digital transformation in the Nigerian financial sector. It evaluated policy frameworks, technological innovations, financial inclusion outcomes, cybersecurity concerns, and future prospects, offering both theoretical and empirical insights. The findings suggested that digital financial services have accelerated inclusion, expanded market access, and enhanced operational efficiency, while also posing regulatory, infrastructure, and security challenges. It was recommended that strategic investments, robust regulation, and consumer education should be enhanced.
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    Electronic Marketing and Bank Performance in Nigeria
    (International Journal of Arts, Languages and Business Studies, 2026-01) Ighodalo David Ehizojie; Adu Cecilia Adurayemi; Abdulkafeel Safiyat Lami
    This study examined the effect of electronic marketing on banks’ performance in Nigeria. Qualitative and descriptive methods of paper writing were adopted in which data were obtained from journal articles (soft and hard copies) which were duly referenced. It was revealed that electronic marketing had a profound effect on the performance of banks in Nigeria. The study concluded that the adoption of electronic marketing has enhanced profitability, strengthened customer engagement, improved competitiveness, and increased operational efficiency. However, in Nigeria, there are persistent challenges like infrastructural limitations, uneven customer readiness, and regulatory gaps.