Communication, Awareness and Acceptance of Digital Banking Amidst Cash Crunch in Southeast and South-South, Nigeria

Okechukwu Christopher Onuegbu, Bettina Oboakore Agbamu, Belinda Uju Anyakoha and Ogonna Wilson Anunike

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Abstract: Digital banking is among the technological innovations currently reverberating the cyber wave. this study seeks to assess communication, awareness and acceptance of it among the residents of south-east and south-south, nigeria. the survey objectives were to ascertain awareness level of the south-east and south-south residents towards digital banking during the cash crunch, determine the acceptance level of digital banking among the south-east and south-south residents, find out the role of communication in awareness and acceptance of digital banking during the cash crunch in south-east and south-south nigeria, and assess the usage of digital banking amidst cash crunch in south-east and south nigeria. the study methodology is a sample survey which allowed researchers to administer questionnaires on 385 respondents out of the 50,166,807 study population. the findings showed that awareness level of digital banking was good (36%) in south-east and south-south nigeria during the cash crunch but it level of acceptance and usage improved more (37%) after the cash crunch. the study also ascertained that communication contribute significantly (59%) towards the usage and acceptance of digital banking in the two zones. it further showed that usage of digital banking in south-east and south-south has improved due to significant contributions of communication.

Date: 2025-04
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Published in Alvan Journal of Social Sciences (AJAS), February 28, 2025

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