PREDICTION OF CUSTOMER ACCESSIBILITY OF ELECTRONIC BANKING LOGISTIC REGRESSION IN NIGERIA

This research is an attempt to investigate an empirical relationship between E-Banking Products and Customers' satisfaction of accessibility. Questionnaires were used to collect the data from a random sample of 3400 customers across the branches of First Bank Plc, Guarantee Trust Bank and Fidelity Bank in Sokoto, Kebbi and Zamfara States of Nigieria. The technique of logistic regression analysis was adopted in the data analysis. The results of the analysis shows that customer satisfaction of accessibility is positively and significantly influenced by E-Banking components in the dimension of Internet Banking, Electronic Fund Transfer, Home Banking, Point of Sale and Mobile Banking, but positively and insignificantly influenced by Automated Teller Machine and Telephone Banking services of E-Banking. It was also found those Automated Teller Machines, Internet Banking, Electronic Fund Transfer, Home Banking, Point of Sale, Mobile Banking and Telephone Banking as E-Banking components were identified as good predictors of customers' accessibility. In Nigerian banking, customers were generally not satisfied with the way these services are offered.