Biometric Enabled E-Banking in Nigeria: Management and Customers’ Perspectives

Adewale Adeyinka A., Ibidunni Ayodotun S., Badejo Joke, Odu Tiwalade, Adoghe Anthony U.


The adoption of biometric technology is rapidly increasing around the globe due to the increasing sensitivity of security issues. With the recent 2015-plan and collaborations of the Central Bank of Nigeria to incorporate biometrics into her banking system, it is imperative to assess the perception of the managers and customers to the use of the long-awaited biometrics for secure, seamless and successful transactions.  The banking sector touches the daily lives of at least 60% of the over 150-million Nigerian population and it is expected to increase as more security measures are put in place.  Therefore, this empirical evaluation captures the factors influencing the perception of the bank management and ATM users. A total of 740 respondents participated in the survey cutting across different age groups and educational backgrounds. Descriptive statistics and T-test analysis of the survey showed that management and customers of strongly support the adoption of biometric ATM in Nigeria.

Keywords: E-Banking, Biometric, ATM,  Security


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ISSN (Paper)2224-5758 ISSN (Online)2224-896X

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