THE ROLE OF INFORMATION TECHNOLOGY IN SOME COMMERCIAL BANKING SERVICE (A CASE STUDY OF ZENITH BANK UNION BANK AND ACCESS BANK IN JIGAWA STATE )

The research work is on the role of information technology in commercial banking services. With three selected commercial bank as the study areas. The objectives of the research are to examine the role of information technology in commercial banking services. It observed that that there must be progress, optimum efficiency and reliability in Nigeria bank, and then there must be application of IT in the banking industry in it totally. In this study the research used both primary and secondary sources of data . gathering, the primary source was questionnaire; interview and observation, a survey and exanimation of secondary source of data were undertaken in order to obtain relevant information and data. The data were . also presented and analyzed with use of both percentage and student test method. Therefore, the calculated T is greater than the value of T from T distribution table. This satisfied that there is significance relationship between information technology and commercial banking service. The research is also succeeded in bringing in to the enlighten the positive role of IT in commercial banking service. Nigeria bank in general should embraced information technology to improve banking service, they should have enlightened about the benefit and challenge, .one of the major challenge facing banking today is the ability to adopt over changing operating environment. 

Uncertainly kin the system implies that a bank must have an in-build dynamic that capable of stimulating change. Beside the need for free floor of information must be properly managed to be result oriented.

The term “ bank” is defined as an establishments the performs at least one or more of the following acceptance of custody of money, lends money, extended credit issue currency, or facilities the transfer of fund by means of cheque, draft bill etc impact some bank perform nearly all of these function while other many specialize in one or a few of these functions.

The principle kinds of bank we have in Nigeria are:

Central bank of Nigeria, commercial bank, development bank, and other numerous financial institution. For the purpose of this thus research work attention is wholly on “role”

The banking industry has the years been changing with time and has succeeded in changing its system form the then manual, time consuming with this rudimentary method to a more sophisticated and up-to-dale method by computerized  Operations. 

Commercial banks  serves industries specializing in the safe keeping of money and valuables, remitting foreign and domestic exchange, collecting cheque, drafts these bank obligations on behalf of their customers and these bank at a time or the other introduce various beneficial system to improved their revenue based and give the most efficient and effective services to their numerous customers. 

In the recent times however, many banks have installed a 1110 dern computer inter-connecting backbone that would enable them achieve communication of data and multimedia over internets, extranet and with the whole world over the internet. James O. Brien (2001) define information technology (IT) as a hardware, software. Telecommunication, database management and other information processing technologies. Used in computer-based information system. 

It is pertinent to stress here that IT incorporates two main technologies and domains of study namely. Computer find telecommunication. It is the technology of analysis. 

Manipulating, storing and communicating data. In more generalized context, it refers to the equipment and automatic procedures used to data and process in to some useful information such that the obtained information can be easily stored in, displayed to or transmitted to the point where it is used Information technology today facilities speedy, accurate and simplified processing data across the services location of a bank, It can also be used to store as well as transmit all forms of data across this services location. Furthermore, since the arrival of bank of England in 1964, the banking industry has not had another singular event would revolutionize the industry as much as information technology. The arrival of IT is now taking away from the good old neighborhood or high street branches to the Gbarspaces. This is the major parading shift that this project work is amid at bringing into time light.

It is important for the banks of today to note that, the banking of tomorrow require more electronic manipulating and staffing of bit based money and other banking trans-based transaction are now being replace by electronic based transaction. The research would serve to elaborate the challenges whether a bank would be successful or not, interms of, internet banking. Automated teller machine services (ATM) mobile banking, telephone banking, electronic funds, transfer (EFT) and web play, through the use of information technology. 

The project has general objectives and specific objectives include:

1. To identify the relationship which exist between IT and commercial 

2. To examine the development innovations, benefit and challenges of information technology.

3. To prefer logic recommendation to identify of information technology and commercial banks in the Nigerian environment. 

1. Hi-commercial banking serves rely on computer as a component of IT to attain effective banks operation. Ho-commercial banking services does not rely on computer as a component of it to attain effective banks operation. 

2. Hi information technology has a significant relationship with commercial banks performance. Ho information technology does not have a significant relation with commercial banks performances 

3. Hi the commercial banks loan to the economy has significant i relationship with economic growth. Ho-the commercial banks loan to the economy does not a significant relationship with economic growth. 

 It is obvious to many that we have entered a brave new world which required new ways of doing (process) it is for this reason that this research work embarked upon for the contribution of IT to low market, policy, makers, personnel in commercial banks especially banking officers and mangers, the academicians and futures researchers on IT application in commercial banks. 

1.6 Scope and Limitation of this Research is Limited to: 

1. Zenith bank PLC

 2. Access Bank PLC

 3. Union  Bank

1. Information: is refers to things that are or can be known about a given topic, commercial cable knowledge of something. 

2. Technology: Is a device material or sequence of mathematical coded electronic instruction or elated by a person, mind that is built, assembled or procedure and which is not part of the natural world.  

3. Banking:  refers to the business of managing hank or the occupation of managing or working in a bank. 

4. Services:  refers to action or work that is produced then traded brought or sold, then finally consumed. 

5. Commercial Bank: Is the process of commerce or pertaining to commerce of the banking processing.