Abstract
The banking industry of the 21st century operates in a complex and competitive environment characterized by ever-changing economic and financial environment with information and communication technology (ICT) at the center of this change. As Information Technology is vital in banking operations today, it becomes imperative for banks to realize its impact on operational performance in order to justify capital investments. The objective of this work was to examine how the adoption of Information and Communication Technology (ICT) affects the competitive performance of banking sector using independent sample t-test.
Findings from the study revealed that a positive relationship exists between ICT and banks performance in Nigeria. This implies that a marginal change in the level of the investment and adoption of ICT such as (Automated Teller Machine, Web based transactions, and Mobile payments) in the banking industry resulted in a proportionate increase in the profit level. The study thus recommends that it is imperative for bank management to intensify investment in ICT products to facilitate speed, convenience, and accurate service delivery. These will make Nigerian banks to be efficient, profitable, and competitive and to cope with the changes and challenges that are the outcome of ICT controlled globalized economy.
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