Students In Tertiary Institutions Research Articles

Accessibility and Utilization of Contraceptives and Its Associated Factors among Students of Tertiary Institutions in Nigeria

Introduction: The use of modern contraceptives among young citizens has been documented to be effective in reducing STIs, unwanted pregnancies, as well as teenage pregnancy. Therefore, it has become necessary to determine utilization patterns of contraceptive services among young individuals as it is very critical for planning to meet the reproductive needs of young persons. Methods: A descriptive cross-sectional research design was adopted for the study. The study was conducted using 404 undergraduates from two tertiary institutions. Simple random sampling was utilized in the study. Structured self-administered questionnaire was used for data collection. Data were analyzed using descriptive and inferential statistics of chi-square test at p < 0.05. Results: About 53.5% are between 18–22 years with a mean age of 22.62 ± 2.948; 51.5% are males, 88.6% still single. About 51.9% do not have access to contraceptives, and 66.83% are not utilizing contraceptives. Side effect of the drugs, lack of access to modern contraceptives, lack of money to access it and lack of appropriate knowledge of the one to use are major factors for non-utilization. Gender was not significantly associated with utilization of contraceptives (p = 0.204). A statistically significant association was observed between religion of the respondents and utilization of contraceptives (p = 0.013), and between accessibility of contraceptives and their utilization (p < 0.001). Conclusion: There is poor accessibility and utilization of modern contra- ceptives among young people. Individual’s religion and accessibility could influence utilization.

Determinants of Delayed Menstrual Period among Students of Tertiary Institutions in Rivers State

Menstrual period is a normal and significant process that every female who have attained the age of puberty must experience in life and it is a monthly process. However, delayed in having this normal process every monthly is a concern. Several factors may be responsible for delayed menstrual period experienced by females. This research states to examine the Determinants of Delayed Menstrual Period among Students of Tertiary Institutions in Rivers State. Sample size for the study was 250 and participant were randomly selected and the questionnaire were issued to the participants to fill and return it to the researcher. Data was analyzed with SPSS version 26 and P value < 0.05 was considered significant. Results from the study revealed that some of the determinants that are precursors of delayed menstrual period observed were unprotected sex, use of contraceptives, alcohol consumption, use of public toilet, unwanted pregnancy, vaginal discharge, abortion, stress and infection. Also, 98.8% of the responders have started dating and 78.00%) respondents agreed that they have been involved in intermittent sex without protection. The findings revealed that 98.4% of the participants have used contraceptives for more 5 years. However, 62.8% of the responders affirmed that they experienced milky discharge from their breast and 69.2% have done abortion. The study shows that 68.4% of the respondents used public toilet and 62.4% respondents experienced vaginal discharge. Furthermore, 65.20%) of responders have been pregnant without knowing. Results also shows that 73.2% of the respondents have conducted hormonal profile and 64.4% of respondents have hormonal imbalance while 94.4% of the participants consumed alcohol.

Psychological Impact Of Kidnapping On Social Reintegration And Academic Pursuits Of Female Undergraduates In Zamfara State

Although kidnapping and banditry are increasingly rampant in northern Nigeria, research on their psychological impact on female undergraduate students is lacking. To fill this gap, this study investigated the psychological impact of kidnapping on female undergraduate students in Zamfara State, Nigeria, focusing on their social reintegration and academic pursuits. Kidnapping and banditry have become pervasive in northern Nigeria, severely disrupting the lives of vulnerable communities including students in both pre-tertiary and tertiary institutions, particularly Zamfara State. The study adopted qualitative research design. Seven out of the female undergraduates of Federal University Gusau who had recently been released after prolonged captivity participated in the study. A combination of purposive and snowball sampling techniques was used to select participants based on availability, willingness, and ability to provide detailed accounts. Data was collected through structured interview. Thematic analysis revealed profound psychological trauma, including symptoms of Post-Traumatic Stress Disorder (PTSD), anxiety, and depression. Social reintegration challenges found in the study include stigmatization and alienation, while academic difficulties involved concentration, memory issues, and decreased motivation. The study recommends implementing comprehensive psychological support programmes within educational institutions located in high risk locations such as Zamfara State, including professional counseling and peer support groups, to address the long-term psychological effects and facilitate better social and academic reintegration of the victims

Parenting styles as predictors to female students’ sexual promiscuity in tertiary institution in delta state

This study investigated the relationship between parenting styles and female students’ sexual promiscuity in tertiary institutions in Delta State. The study was led by two research questions and two hypotheses. The study used an ex-post facto research design with a correlational technique. The population comprised all female students of tertiary institutions in Delta Central Senatorial District with a total sample of 1,566 students. Questionnaire was used as instrument of data collection. The questionnaire was validated by experts’ judgement and factor analysis, with a sound psychometric property indicating that the instrument is valid and reliable. The data obtained were analysed with the aid of regression statistics at 0.05 level of significance. The result showed a significant relationship between parenting styles and sexual promiscuity and that the relationship can be moderated by socio-economic status of parents. The study recommended amongst others that Parents should improve on their relationship with their adolescents and choose the right parenting style that will help the adolescents to abstain from risky sexual behaviour.

Awareness and acceptability of assisted reproductive technology among non-medical tertiary students in a low-resource setting

BackgroundAssisted Reproductive Techniques (ART) have significantly advanced infertility treatment worldwide. However their availability and use in sub-Saharan Africa, remains limited although infertility is highly prevalent, with significant psycho-social challenges including stigma. This study assessed the awareness, attitudes, and perceptions of ART among non-medical tertiary students in Ghana.MethodA cross-sectional study was conducted among non-medical students in tertiary institutions in Ghana. Pre-tested questionnaires were administered to both post-graduate and undergraduate students after obtaining informed consent. Ethical approval was obtained from the Review Board at Community Health Department of the University of Ghana Medical School. The data collected was analyzed using SPSS (version-27) and the results presented using frequency tables, graphs, and charts. significance was P-value below 0.05 was considered statistically significant.ResultsOverall, 196 participants from the two largest universities and other tertiary institutions in Ghana took part in this study. Majority (63.5%) of respondents demonstrated awareness on ART services, but 60.3% showed poor knowledge of the types of ART. Males generally exhibited lower knowledge of ART services compared to females, and knowledge of ART services showed an inverse relationship with age. In-vitro fertilization (IVF) was the most widely recognized and recommended ART technique, known by 65.1% of respondents who were aware of the types of ART. Most participants expressed reluctance to accept or recommend gamete donation due to religious reasons, fear of complications, and a preference for conventional means of procreation.ConclusionThe majority of tertiary students in Ghana are aware of ART for infertility treatment however, many are hesitant toward donor-gamete treatment protocols. Fear of complications and related costs pose major barriers to considering ART among the respondents. Participants unanimously suggested government subsidies and the inclusion of ART under the national health insurance coverage package.

Awareness and perception on the use of smartphone applications for crop protection among undergraduate students in Southwestern Nigeria

Mobile applications in crop protection especially for speedy pest diagnosis, monitoring, and management are increasingly gaining global attention and support. An understanding of the awareness and perception of the youths, particularly students in tertiary institutions (who are heavy users of smartphones), on the use of smartphone applications for crop protection, is crucial for sharpening their orientations towards embracing the digital ecosystem in agriculture. The imperativeness is evident in the ongoing government drive towards promoting students’ engagement in digital agriculture as accommodated in the National Agricultural Technology and Innovation Policy (2022–2027). Consequently, this study investigated awareness and perception of mobile phone applications among crop and agricultural extension-related final-year students in selected Universities in Southwest Nigeria. A multistage sampling procedure was used in selecting 407 students. Data were obtained with the aid of questionnaires. Data were summarized using descriptive statistics such as frequency counts, percentages, mean and standard deviation using SPSS software. Findings show that very few (less than 8%) of the respondents were aware of the usage of specific smart/android phone applications for pest identification, disease diagnosis, and weather forecasting. Less than 4% ever used smart/android phones for pest identification, crop protection, and information sourcing on disease diagnosis and management. However, their perception of the need for pest and disease diagnosis as a foundation step to enhance crop protection (4.65 points on a scale of 5), and readiness to use android/smartphone applications for this purpose (MS = 4.45) was positive. There are enormous implications for increased awareness and knowledge sharing on the use of android/smartphone applications for crop protection and other interventions to promote digital agriculture among students in Nigeria.

Network Sampling and Its Application to the Prevalence of Abortion among Female Students in Nigeria Tertiary Institution

This study aimed to investigate the prevalence of abortion among female students of tertiary institutions in Nigeria and its impact on the students. The network sampling technique which makes use of an initial subject to refer other subjects with similar characteristics was used as sampling method for data collection. Data was collected from 150 students using a well-structured questionnaire, and statistical analysis using the logistic regression to determine the Wald statistics and odd ratio was conducted to conclude. The chi square was also used to determine the model adequacy which shows that the model is a good fit. The study found that factors such as rape, pressure to complete education, criticism from peers, and fear of parental reaction were influencing students' decisions to undergo abortion. Additionally, the study revealed that complications and untimely deaths were among the negative consequences of abortion. The most common age bracket for students involved in abortion was 21-25 years, accounting for 48% of cases, and the estimated prevalence of students engaged in abortion was 92.7%. Based on these findings, the study suggests promoting the use of contraceptives, such as condoms, and encouraging abstinence, especially among new students. The study also recommends that parents and guardians take an active role in monitoring their children and wards.

Influence of Social Media Engagements on the Academic Achievement of Students in Tertiary Institutions

This study investigates the influence of social media engagements on academic achievement among tertiary institution students. The research methodology involved an online survey using Google Forms, distributed randomly through social media and email. The instrument consisted of two sections: basic information of the respondents and questions related to the use of social media in school and their influence on performance. The data collected was analyzed using narrative analysis and a deductive approach to identify themes. The findings suggest that social media has both positive and negative impacts on academic achievements, and that it is important to understand and manage social media use for optimal academic performance. The study was limited to tertiary institution students, and the validity and reliability of the instrument were ensured through pretesting and feedback from undergraduate and graduate students.

Sustainable Market Strategies as Correlates of Human Capital Development: Empirical Evidence from Tertiary Institutions in Anambra State, Nigeria

Sustainable market strategies are critical in shaping effective human capital development, especially within educational institutions. These strategies align academic training with real-world market needs, fostering competencies that are crucial for navigating and contributing to a sustainable economy. Consequently, the present study examined the relationship between sustainable market strategies and human capital development, focusing on skill acquisition, educational competencies, and employment generation among students in tertiary institutions in Anambra State, Nigeria. A descriptive correlational research design was employed, and data were collected from 202 students using a structured questionnaire distributed through an online survey. The questionnaire covered the impact of sustainable market strategies on various aspects of human capital development. Data were analyzed using multivariate tests and between-subjects effects analysis. The results revealed a significant relationship between sustainable market strategies and all three dimensions of human capital development. Sustainable market strategies were found to significantly enhance skill acquisition (F = 17.972, p < 0.001), educational competencies (F = 12.000, p < 0.001), and employment generation (F = 9.355, p < 0.001) across different age groups. The findings suggest that sustainable market strategies play a critical role in fostering human capital development in educational settings. The study concludes that adopting sustainable market strategies is essential for promoting skill acquisition, improving educational outcomes, and generating employment opportunities for students. These results provide empirical evidence supporting the integration of sustainable market practices in tertiary education to enhance human capital development.

ATTITUDE OF FEMALE STUDENTS IN PUBLIC TERTIARY INSTITUTION IN IMO ABOUT CERVICAL CANCER SCREENING

Cervical cancer is a significant health concern and one of the leading causes of death among women globally. This study aimed to examine the attitudes related to cervical cancer screening among female students in public tertiary institutions in Imo State, Nigeria. The study, guided by three research questions and two null hypotheses tested at the 0.05 significance level used a descriptive survey design. A sample of 900 students was selected from a population of 11,825 female undergraduates. The research instrument, “Attitude towards Cervical Cancer Screening Questionnaire (ACCSQ)” was validated and found reliable with coefficient alphas of 0.89. Data were collected through direct delivery and analysed using SPSS, employing descriptive statistics of mean and standard deviation and inferential statistics of ANOVA. The findings revealed that most students had a positive attitude toward screening, with a mean attitude score of 53.35. Attitudes of the female students of this study towards cervical cancer screening did not significantly differ based on their ages or their level of education. The study recommended that given the generally positive attitude towards cervical cancer screening, awareness campaigns should be strengthened to further encourage screening participation. These campaigns should target all age groups, emphasizing the importance of early detection and regular screening for cervical cancer. KEYWORDS: Cervical cancer, screening, female students, attitude, public, tertiary institutions

A Study of Students Loan Procedure in Selected Countries for Effective Implementation of Nigeria Education Loan Fund (NELF)

Nigerian students’ loan board was created in 1972 to provide financial support to Nigerian students in different tertiary institutions. The Nigerian Government reactivated the students loan scheme by passing a bill in 2023. It is therefore, necessary to examine the loan procedures in other countries for better implementation in Nigeria. This work examined the loan procedures from five selected countries. The intention was to extract relevant information on best practices and weaknesses of students’ loan scheme in those countries for effective implementation of the Nigeria Education Loan Fund (NELF). The work was based on secondary data; thus, information was collected from articles in journals, Books, internet and other related publications. The study revealed that most students loan scheme in Africa are faced with several problems such as difficulties to create credible loan board, identifying right loan beneficiaries, sustainability, reliable database, instituting an effective and efficient loan disbursement and loan recovery. The work thus provides suggestions on how to strengthen Nigeria Education Loan fund from information extracted from the study.

Gender difference in nutritional knowledge, dietary pattern and nutritional status of undergraduates in Ado-Ekiti, Southwest Nigeria

BackgroundPoor nutritional knowledge at an early stage of life suggests developing poor dietary habits that later lead to obesity and attendant complications of non-communicable diseases.ObjectiveThis study examined gender differences in nutritional knowledge, dietary pattern and the prevalence of overweight/obesity among students of a private tertiary institution in Ado-Ekiti, Ekiti State, Nigeria.MethodsA total of 214 students were recruited to this study from the six colleges of the university. A semi-structured questionnaire was used to collect information on personal and lifestyle characteristics, dietary patterns and physical activity. Weight and height measures were used to calculate Body Mass Index (BMI). Data were analyzed using descriptive statistics and chi square test at 5% level of significance.ResultsThe mean age of the students was 19±1.89years. Monthly allowance of ≥₦50, 000.00 ($70) was received by 64%; 80% and 78% of them had fathers and mothers respectively with university degrees. Physical exercise was not done by 40%, 69% took < 3meals/day and 60% skipped breakfast; 71% and 21% had medium and high dietary diversity scores respectively. The mean BMI was 24.6±3.70; 36% had a BMI ≥25. Regarding their nutritional knowledge, 16% were high. There were no gender differences in BMI, nutritional knowledge or dietary diversity.ConclusionsThe study revealed less than ideal nutritional knowledge and dietary diversity and prevalence of overweight/obesity. Great emphasis needs to be given to nutrition education and promotion among university students.

Barriers to Enrolment into Health Insurance Schemes in Nigeria: The case of Niger State Contributory Health Insurance Scheme

Niger State government has keyed into the health insurance program of the federal government since 2019, with the establishment of the Niger State Health Insurance Scheme. Although the scheme has beautiful mission for the formal and the informal sector workers as well as the students in tertiary institutions and the vulnerable groups, it is yet to enjoy reasonable patronage. Studies on barriers to enrolment into health insurance were mostly conducted in matured health insurance settings, where barriers to enrolment do with operational concerns. It is not clear whether operational concerns may affect enrolment in Niger State where the health insurance scheme is at the take-off stage. Using qualitative research design to explore the enrolment barriers, this study has drawn a sample of 22 respondents across the major tribes, religions, enrolment category and senatorial zones of the state. Four enrolment officers were also part of the respondents. An in-depth interview was conducted on the respondent and the results were analysed in themes. The findings of the study showed that lack of trust in anything government is the major barrier to enrolment among the public sector workers due to their prior experiences of failed schemes run by government. However, inadequate sensitization about the requirements, procedures for enrolment, cost and benefits of the scheme were the barriers to enrolment among the informal and the private sector workers. The enrolment of the vulnerable groups is undermined by the lack of social register from where the list of the qualified people would be extracted. In addition, the lack of National Identification Number, which is the pre-requisite for enrolment, deters enrolment of the vulnerable groups. The problem of insecurity in the state also affects outreach and enrolment. Necessary suggestions are given to the government.

Enrolment of students in Nigerian tertiary institutions: A reflective impact of the slogan ‘who school help'

There has been a noticeable decline in enrolment in some Nigerian tertiary institutions, such as colleges of education, polytechnics, and some state-owned universities. Various factors have been identified as influencing this problem. This study aims to investigate the impact of the popular slogan "Who School Help" on post-secondary school enrolment in Nigeria. The study used a descriptive survey research design, collecting both qualitative and quantitative data. A purposive sampling method was used to select participants from Senior Secondary Class 1 to Senior Secondary Class 3. In this category, 565 students were selected. Additionally, 20 participants were accidentally selected based on inclusion criteria, with 10 of them being secondary school graduates and the other 10 being graduates from tertiary institutions. The study found that all participants claimed to be familiar with and resonate with the slogan 'Who School Help?' Furthermore, the study revealed that factors such as graduate unemployment rate, salary disparities, and political dynamics motivate the promotion of the slogan as a means to explain the decline in post-secondary school enrolment. In conclusion, the study determined that the popular use of the slogan "Who School Help" among Nigerian youths significantly influences individuals' decisions regarding post-secondary education. The limitations and recommendations of the study were also discussed.

Upscaling Current Data Caching and Prefetching Strategies for Online Databases in Nigeria

This study investigated upscaling current data caching and prefetching strategies for online databases in Nigeria, with a focus on practical implications. The research design adopted for this study was the descriptive survey. The population comprised of all undergraduate’s library students in public tertiary institutions in Ekiti State. A simple random sampling technique was adopted to select 200 library students from Ekiti State University in the study area. The instrument used for data collection was a structured 4 Likert type questionnaire. The questionnaire was distributed to the respondents to find out the effectiveness of caching and prefetching techniques on online databases. The instrument was both face and content validated by two experts from the department of Library studies in Ekiti State University, Ado-Ekiti State. The reliability of the instrument was ensured using Pearson Product Moment Correlation formula which yielded a coefficient of 0.99. The data collected were analyzed using descriptive statistics such as mean and standard deviation. The result showed that the current caching and prefetching techniques employed in online databases are highly effective; the different access patterns have effect on the effectiveness of caching and prefetching techniques in online databases and there are impacts of cache coherence mechanisms on the efficiency of caching and prefetching techniques in online databases. It was therefore recommended that the inclusion of caching and prefetching in curriculum is important across all educational level in Nigeria, with a clear emphasis on the practical implications. In addition, caching and perfecting have come under fire for focusing mostly on computer science.

Study Habits and Examination Anxiety as Correlates of Students Attitudes Towards Examination Malpractices in Government Tertiary Institutions in Akwa State, Nigeria

This research looks at study habits and examination anxiety as correlates of students’ attitudes towards examination malpractice using government tertiary institutions in Akwa Ibom State as a case study. Survey methodology was employed to collect data from the population of students in tertiary institutions in Akwa Ibom State. A total of 328 people from 10 government tertiary institutions in Akwa Ibom State filled out the survey, The Taro Yamane formula was used to determine a sample size of 400. With a mean criterion of 3.0, the statistical tools of the Statistical Package for the Social Sciences (SPSS) were used to analyze the study's research topics. Reviewing the effects of study habits, causes of examination anxiety, and effects of students’ attitude towards examination malpractice will find that: poor time management, teaching strategies, peer pressure, threats from lectures, poor self-care and confidence, the quest for certificates, etc. all lead to examination malpractice in higher institutions in Akwa Ibom State. The study gave some recommendations and concluded that study habits, examination anxiety, and students’ attitudes have a joint influence on Examination malpractice therefore all hands must be on deck to make sure students in government higher institutions in Akwa Ibom State have a good study habits and attitude, and also eradicate any form of internal (within the educational system) examination anxiety from students so as to achieve knowledge and skills rather than a mere A4 certificate paper.

Management of Teaching Space and Time: Evidence from Tertiary Institutions in Ghana

Overcrowding in classrooms is a common issue in tertiary institutions in Ghana. Proper management of teaching space and time is critical for maximising the use of available resources and stressful-free learning environment for students in tertiary institutions. This article aims to provide empirical evidence and practical recommendations for improving the management of teaching space and time in Ghana's tertiary institutions. The study is grounded in utilization theory, and adopted a descriptive survey design. The population for this study consists of 26 general-purpose lecture rooms available at a university in Ghana. Census Sampling was applied to select all the 26 general-purpose lecture rooms. The instruments used for data collection was an observation checklist. Quantitative results from the observation checklist were analysed using teaching space utilization formulas. The study revealed that general-purpose lecture rooms were underutilized in terms of time but were efficiently utilized in terms of space. The study also found that the lecture rooms have high utilization rates on Mondays and low utilization on Fridays. Additionally, morning sessions revealed efficient utilization, while afternoon and evening sessions were underutilized. The study recommends implementation of centralized timetabling and computerization of space allocation. Additionally, the study recommends for provision of a few more large general purpose lecture rooms to accommodate very large class sizes, which can also be partitioned effectively to accommodate small class sizes for efficient utilization of the lecture rooms.

Socio-Cultural Factors on Antisocial Behaviour Among Students of Tertiary Institutions in Cross River State, Nigeria

This study examined Socio-cultural factors on antisocial behaviour among students of tertiary institutions in Cross River State, Nigeria. To guide the study, two hypotheses were tested. The study adopted descriptive survey research design. The population of the study is 74,847 consisting of all students of public tertiary institutions in Cross River State., 1000 students was drawn using proportionate sampling technique. A questionnaire was used as instrument for the study. Mean and standard deviation was used to answer research questions while Regression and ANOVA was used to test hypotheses. The study also indicated that that a rise in cultural values will lead to a decrease in anti-social behaviour. This implies that when students are morally right, their tendencies of being involved in anti-social behaviours will reduce, students who belong to African traditional religion worshipper’s group are prone to engage in actions and inactions that are regarded as anti, followed by the Muslims and the Christians. The study recommends that government should entrench through the instrument of education, the inculcation of the right type of values at the different stages of learning and religious leaders should use their platforms to preach and send a message of change, especially to students who are manifesting the signs of antisocial behaviour. This should be done with love.

Evaluative patterns in the concluding components of expounding essays

Essays that have an expounding or explaining nature are a common type of text in many academic disciplines such as business. While their primary function is to explain the causes or consequences of a phenomenon, they also serve to illustrate the writer’s perspective. In other words, these essays persuade readers to recognise the writer’s arguments, often when they are summarised in the concluding sentence of a paragraph with a final commentary. To illustrate how reasoning and persuasion are undertaken in the concluding components of a paragraph, this paper investigates the expounding essays written by English-as-a-Second-Language associate degree business students in a Hong Kong self-financed tertiary institution. To understand how logical coherence facilitates the writer’s evaluative stance, the present study examines the text structure and its influence on evaluative language choice by combining two analytical frameworks, Rhetorical Structure Theory (RST) and APPRAISAL. The textual focus is the body paragraphs announcing and explaining the factors or effects of a business topic to reveal how a conclusion is reached with an evaluative insight. The findings will demonstrate the common rhetorical relations for reasoning, elaborating and conjoining arguments. The findings will also illustrate the two key RST relations, Evaluation and Interpretation, located at the end of the paragraph. These two relations exhibit differences in the choice of explicit and implicit ATTITUDE resources. This paper concludes with a brief discussion on the pedagogical implications for instructing student writers in the rhetorical strategies for writing concluding components of a paragraph with an evaluative punch, based on the writer’s intention to resonate with his or her assessment throughout the paragraph or to make an alternative personal judgement over the subject matter.

Online Payment Systems: Prospects and Constraints in Developing Countries

The future of online payment systems in developing countries is promising, although it comes with some challenges. This paper tries to explore these prospects, the associated constraints and possible approaches that could enable more gains in the adoption of the payment system. In this work, survey method was adopted to extract, the opinions of the users of the system. We considered the use of questionnaire tool for data gathering. This was done randomly online for a wider coverage of respondents across nations with special interest on respondents residing in developing countries particularly in Nigeria. The Data gathered helped to identify any prospects in online payment systems in developing countries and any associated constraints in it. To achieve this, over 100 internet users were selected for the survey. The selection was heterogeneous, cutting across various ages; public and civil servants; students in tertiary institutions; academia, political class. An open-ended question was included to enable respondents to contribute their opinions on the subject and responses were analyzed using descriptive statistics. The result of the survey showed that 96.3 % of the 81 respondents, resides in developing country, only 3.7 resides in developed countries. This makes it a suitable sample group for the survey. All the respondents are using online payments system for most of their financial transactions. 83.8% of the respondents frequently make use of Online payment system, while 16.2% also uses online payment systems but rarely. The result also revealed that Online Payment systems can bring more benefits to individuals and businesses in developing countries. 97.5% of the respondents affirmed this claim while the remaining 2.5% were indifferent.