The Adoption of Internet Banking in Nigeria: An Empirical Investigation
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
This study examines the level of adoption of Internet banking in Nigeria. Twelve large on-line banks that retained their brand names after the consolidation were studied in terms of the functionality and interactivity of their websites. The model used is similar to that proposed by Diniz in 1998, with an additional factor on security measures. Main factors that inhibit the adoption of Internet banking in Nigeria are security and inadequate operational facilities including proper telecommunications and power. The results reveal that Internet banking is being offered at the BASIC level of Interactivity with most of the bank having mainly information sites and providing little Internet transactional services. The level of security of the banks was also low as most of the banks have not adopted 128 bit Secure Sockets Layer (SSL) encryption security measures. Most of the banks perform extremely well in providing up-to date information. However, further improvements on security and provision of key ingredients of Internet banking which includes confidentiality, effective communication integrity and availability, should be considered in order to satisfy customer’s requirements.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it