Abstract
This descriptive, cross-sectional, study examines factors that affect banks in Nigeria in adopting and implementing information technology (IT). A survey was conducted among all the solvent commercial banks in Nigeria. Since there were 37 such banks, this obviated the need to select a sample size. The survey instrument used, with modifications, was adapted from models constructed by Mahmood and Soon in 1991 and Palvia in 1997 to measure the strategic and competitive impact of IT on a domestic/global firm [1,2]. The findings indicate that inadequate infrastructure, insufficient power supply, inadequate capital, government regulations, unstable currency, and corruption are the major factors affecting the adoption and implementation of IT in the Nigerian banking industry. The findings further reveal that small-sized banks consider inadequate infrastructure to be a greater impediment than do large and medium-sized banks. Contrastingly, small-sized banks do not consider inadequate capital as a major factor inhibiting IT implementation.
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