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Sistema de pagamento eletrónico e satisfação dos clientes bancários em Ilorin
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ISBN10: 6208622344
ISBN13: 9786208622343
Publisher: Edicoes Nosso Conhecimento
Published: Jan 31 2025
Pages: 100
Weight: 0.32
Height: 0.24 Width: 6.00 Depth: 9.00
Language: Portuguese
ISBN13: 9786208622343
Publisher: Edicoes Nosso Conhecimento
Published: Jan 31 2025
Pages: 100
Weight: 0.32
Height: 0.24 Width: 6.00 Depth: 9.00
Language: Portuguese
Espera-se que o sistema de pagamento eletrónico adotado no sistema financeiro nigeriano resolva os desafios inerentes ao sistema manual de liquidação e pagamento. Apesar da série de inovações tecnológicas das facilidades de pagamento eletrónico, a utilização de numerário ainda representava mais de 99% do total de transacções em dezembro de 2012, tal como indicado pela CBN em 2013. Assim, este estudo examinou o sistema de pagamento eletrónico e a satisfação dos clientes bancários na metrópole de Ilorin, no Estado de Kwara, na Nigéria. Os dados obtidos foram submetidos a regressões dprobit, probit e logit. O principal resultado deste estudo mostrou que o sistema de pagamento eletrónico tem um impacto significativo na satisfação dos clientes, embora com os desafios inerentes. Por conseguinte, o estudo recomenda que (i) o Banco Central da Nigéria deve implementar uma polÃtica de transacções electrónicas para encorajar mais clientes a adoptarem a utilização da plataforma eletrónica; e (ii) o governo deve criar infra-estruturas adequadas, especialmente um fornecimento de energia estável. Se as recomendações acima forem totalmente implementadas, é provável que mais utilizadores adoptem a tecnologia na realização das suas transacções, o que, por sua vez, terá um efeito positivo no sistema financeiro nigeriano.
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