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Emphasis of previous research on e-banking has been on factors that influence its adoption or constraints to the adoption or the extent to which customer awareness influences its adoption. This study investigated “Exposure to/usage of e-banking channels: Implications for customer awareness and attitude in Nigeria”. The purpose of this paper is to determine the extent to which consumers’ exposure to and usage of e-banking channels influence their awareness and attitude towards e-banking in Nigeria.

The study used the quantitative research design; specifically, the conclusive research design was used and data collection was done through the survey method. The population of the study consisted of the customers of EcoBank, First bank and Zenith bank in Edo, Kogi and Kwara states of Nigeria. A structured questionnaire was used to elicit the desired data from 480 respondents selected from 30 branches of 3 banks in two states. One sample t test was used to test for significance of the usage of e-banking channels to customers’ awareness and attitude towards e-banking. Subsequently, regression analysis was performed to determine the predictive power of the e-banking channels.

Customers’ exposure to and usage of ATM, internet banking and mobile banking has significant influence on consumers’ attitude towards e-banking in Nigeria. In view of the findings, a modified model of customer usage and attitude towards e-banking in Nigeria is proposed.

The customer’s inability to exercise absolute right on the banking option to use at all times and the non-inclusion of other channels of e-banking whose usage can influence consumers’ awareness and attitude towards e-banking.

The need for financial institutions, especially banks, to expose their customers to e-banking channels to demystify their fears as well as increase their awareness and thus influence their attitude to e-banking.

Exposure of bank customers to e-banking will reduce cash transactions and thus help to significantly reduce social vices associated with physical cash, especially armed robbery.

The work is a departure from previous studies because it is the only one that has emphazised exposure to e-banking as a solution to awareness creation and positive attitude of customers. Its value lies in its potential to make e-banking user friendly in no distance time.

The study examined policy improvement and cassava attractiveness. The purpose was to determine the optimum rewards using three strategies: selling of farm produce to harvesters, making wholesale of harvested outputs and retailing harvested outputs.

Three hundred and sixty (360) cassava farmers were surveyed in three local government areas in Edo South senatorial district of Nigeria. From their responses, probabilities were assigned to rewards for each strategy from each of the locations. Subsequently, dynamic programming was employed in data analysis. Specifically, Howard policy improvement technique was used to forecast expected rewards to cassava farmers in the three local government areas using the three strategies.

Cassava farmers in Edo South senatorial district of Edo state, Nigeria, can maximize their earnings from cassava by retailing at the local markets in Oredo and Egor local government areas and by making wholesales at Ikpoba Okha local government area. Using this policy, they will realize approximately N2360 per basin and approximately N33040 per plot of 100 × 100 ft. This will translate to N143724 per acre (4.35 plots of 100 ft²).

Availability of storage facilities as well as technical constraints to cassava production.

Provision of jobs to the unemployed, thereby reducing the level of unemployment in the country.

Suggestion of the sales strategy that will yield optimum returns to cassava farmers, using policy iteration technique, and the projected estimates of the likely turnover when the strategy is adopted. This is a point of departure from previous studies. Thus, the study used operations research methodology to model solutions, through involvement in agriculture, to Nigeria's economic/financial problems, thus making it unique. In broad terms the study demonstrates that investment in agriculture will help to reduce unemployment and enhance the country's national income.

Most studies in information behaviour have focussed on information behaviour aspects such as environmental uncertainty, scanning behaviour of top management executives, student and women information behaviour, information source and credibility, while little is known about the information behaviour of small- and medium-sized enterprises (SMEs) when the need for emerging information and communication technology (EICT) adoption decision-making arises. This paper, therefore, aims to explore the major determinants of perceived information need for EICT adoption by UK small service-oriented businesses.

The study adopted qualitative method to explore 13 key determinants of SME managers’ information behaviour for EICT adoption decision-making by using both unstructured and semi-structured interviews at two different stages with 20 participants drawn purposeful from Luton directories.

The study developed an extended technology, organisation and environment (TOE) framework by identifying and incorporating the information context which helped to unveil 13 key determinants of perceived information need and their impact on EICT adoption decision-making in SMEs. This further provided insight into understanding SMEs’ information behaviour. While the determinants associated with TOE and information contexts influence SMEs’ perceived information need for EICT adoption, the extent at which these four constructs shape SMEs’ perceived information need for EICT adoption decision-making differs.

The limitation of this study emerged because of the use of qualitative methodologies in relation to the research design, rigour in the collection and management of the large volume of the raw data, the data analysis and the credibility of the findings. This may lead to unforeseen respondent – and research – bias in the data analysis, which may lead to limited understanding of alternatives and insights into the key determinants of perceived information need for EICT adoption decision. Hence, other measures and approaches such as case study and mix-method could be deployed to further validate the findings. Also, one of the limitations of qualitative study has been the issue of theoretical generalizability of the framework. The generalizability of the formwork needs to be established across a wider range of population. Future studies may apply a confirmatory statistical techniques to test and ascertain the validity and reliability of the framework across a wider population. Such studies may be used as a benchmark for the theoretical constructs and the factors that may lead to success or failure of mobile marketing technology adoption.

The study has further enriched TOE framework and provided an analytical dimension for exploring key determinants of SMEs’ perceived information need for EICT adoption decision-making. It also demonstrates the capacity to provide a reliable explanation of the determinants and serves as a tool for evaluating the benefits or challenges of SMEs’ information behaviours when the need for EICT adoption arises.

This study focussed on investigating the impact of entrepreneurial characteristics on the entrepreneurial intention of university students in Nigeria.

This research adopted a survey research design via a well-constructed questionnaire. The study's sample size consisted of 354 aspiring student entrepreneurs.

The result from the statistical analysis revealed that the entrepreneurial characteristics, especially risk tolerance, the need for achievement and the locus of control (LoC) significantly influence students' entrepreneurial intentions.

One implication of this study is that risk tolerance has a positive influence on the ability to identify business opportunities. Thus, when persons pay adequate attention to tolerating risks, they have more chances of identifying business opportunities. Despite the valuable contribution made by this research, an important area of future research is to carry out investigations that use a more robust sample size and a multivariate analysis to identify the impact of entrepreneurial competencies on entrepreneurial intentions of university youths from a cross-country perspective amongst developing economies.

There are very little understanding and empirical evidence about how the entrepreneurial characteristics of the youths, especially those in the formal university system of developing countries like Nigeria, can determine and direct their intentions to venture into entrepreneurship endeavours. This study, therefore, undertakes an interventionist role to investigate the relationship between entrepreneurial characteristics and entrepreneurial intentions of university students in Nigeria.

This research investigated the influence of the dimensions of the SECI theory, LMX theory and a newly developed teacher–student knowledge exchanges (TSKE) on preparedness of students for the workplace.

Based on a sample size of 214 business education students drawn from six programmes, structural equation modelling using AMOS was adopted to show relationships between dimensions of SECI, LMX and TSKE.

The statistical analysis revealed that dimensions of the SECI theory, especially socialization and externalization; dimensions of the LMX theory, especially professional respect; and dimensions of the newly developed TSKE perspective, especially the SECI-dominated knowledge exchange were significant influencers of students' workplace preparedness.

Existing literature that focussed on the knowledge management theme in education industry scarcely examined the processes that are critical to knowledge creation and exchange in HEIs. Therefore, the present study adopts a synthesis of SECI and LMX theories to explain how knowledge creation can occur in HEIs and prepare students for the workplace.