{"id":3936,"date":"2026-10-17T08:29:41","date_gmt":"2026-10-17T08:29:41","guid":{"rendered":"https:\/\/birpub.org\/ijarfi\/?post_type=journal_article&#038;p=3936"},"modified":"2026-10-17T08:29:42","modified_gmt":"2026-10-17T08:29:42","slug":"digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state","status":"publish","type":"journal_article","link":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/","title":{"rendered":"Digital Payment System and Performance of Deposit Money Banks in Enugu State"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Chidiegwe, Anayo Keneth<sup>1<\/sup> &amp; Prof. Elizabeth Okechukwu<sup> 2 \u00a0<\/sup><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Abstract<\/strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><em>This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. The study focused on three selected banks within Enugu metropolis, namely First Bank Plc, United Bank for Africa (UBA), and Zenith Bank Plc. The study population was reported as 320, and the entire population was considered for the study because of its relatively small size. A survey research design was adopted, and 252 copies of the questionnaire were duly completed and returned. Data were presented and analysed using mean scores, while the hypotheses were examined using the one-sample Kolmogorov\u2013Smirnov test with the aid of the Statistical Package for the Social Sciences (SPSS). The results showed that the Kolmogorov\u2013Smirnov test for responses relating to online transfers and customer retention yielded a Z-value of 9.071 (p &lt; .001), while the test for responses relating to online bill payments and income generation yielded a Z-value of 10.646 (p &lt; .001). These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.<\/em><em><\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Keywords: <\/em><\/strong><em>Earnings management; discretionary accruals; loan loss provisions; accrual quality; financial statement reporting quality; deposit money banks; panel data; Nigeria.<\/em><em><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Cite<\/em><\/strong><em>: <\/em>Chidiegwe, A. K. &nbsp;&amp; Okechukwu, E. (2026). Digital Payment System and Performance of Deposit Money Banks in Enugu State. <em>International Journal of Accounting Research and Financial Insights,<\/em><em>4<\/em>(6), 492-512.<a href=\"https:\/\/doi.org\/10.5281\/zenodo.23432276\">https:\/\/doi.org\/10.5281\/zenodo.23432276<\/a> &nbsp;<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/10\/IJARFI_46-492-512.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of IJARFI_46, 492-512.\"><\/object><a id=\"wp-block-file--media-6cc04538-95d4-4a0f-8cfb-89f9e02ae839\" href=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/10\/IJARFI_46-492-512.pdf\">IJARFI_46, 492-512<\/a><a href=\"https:\/\/birpub.org\/ijarfi\/wp-content\/uploads\/sites\/3\/2026\/10\/IJARFI_46-492-512.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-6cc04538-95d4-4a0f-8cfb-89f9e02ae839\">Download<\/a><\/div>\n","protected":false},"author":1,"template":"","journal_article_cats":[240],"class_list":["post-3936","journal_article","type-journal_article","status-publish","hentry","journal_article_cat-vol-4-no-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Digital Payment System and Performance of Deposit Money Banks in Enugu State - International Journal of Accounting Research and Financial Insights (IJARFI)<\/title>\n<meta name=\"description\" content=\"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. The study focused on three selected banks within Enugu metropolis, namely First Bank Plc, United Bank for Africa (UBA), and Zenith Bank Plc. The study population was reported as 320, and the entire population was considered for the study because of its relatively small size. A survey research design was adopted, and 252 copies of the questionnaire were duly completed and returned. Data were presented and analysed using mean scores, while the hypotheses were examined using the one-sample Kolmogorov\u2013Smirnov test with the aid of the Statistical Package for the Social Sciences (SPSS). The results showed that the Kolmogorov\u2013Smirnov test for responses relating to online transfers and customer retention yielded a Z-value of 9.071 (p &lt; .001), while the test for responses relating to online bill payments and income generation yielded a Z-value of 10.646 (p &lt; .001). These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital Payment System and Performance of Deposit Money Banks in Enugu State\" \/>\n<meta property=\"og:description\" content=\"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. The study focused on three selected banks within Enugu metropolis, namely First Bank Plc, United Bank for Africa (UBA), and Zenith Bank Plc. The study population was reported as 320, and the entire population was considered for the study because of its relatively small size. A survey research design was adopted, and 252 copies of the questionnaire were duly completed and returned. Data were presented and analysed using mean scores, while the hypotheses were examined using the one-sample Kolmogorov\u2013Smirnov test with the aid of the Statistical Package for the Social Sciences (SPSS). The results showed that the Kolmogorov\u2013Smirnov test for responses relating to online transfers and customer retention yielded a Z-value of 9.071 (p &lt; .001), while the test for responses relating to online bill payments and income generation yielded a Z-value of 10.646 (p &lt; .001). These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/\" \/>\n<meta property=\"og:site_name\" content=\"International Journal of Accounting Research and Financial Insights (IJARFI)\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-17T08:29:42+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"ScholarlyArticle\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/\"},\"author\":{\"name\":\"birpo\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#\\\/schema\\\/person\\\/a01bf0d010e3d6c4df289f481abdb958\"},\"headline\":\"Digital Payment System and Performance of Deposit Money Banks in Enugu State\",\"datePublished\":\"2026-10-17T08:29:41+00:00\",\"dateModified\":\"2026-10-17T08:29:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/\"},\"wordCount\":351,\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/\",\"url\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/\",\"name\":\"Digital Payment System and Performance of Deposit Money Banks in Enugu State - International Journal of Accounting Research and Financial Insights (IJARFI)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#website\"},\"datePublished\":\"2026-10-17T08:29:41+00:00\",\"dateModified\":\"2026-10-17T08:29:42+00:00\",\"description\":\"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. The study focused on three selected banks within Enugu metropolis, namely First Bank Plc, United Bank for Africa (UBA), and Zenith Bank Plc. The study population was reported as 320, and the entire population was considered for the study because of its relatively small size. A survey research design was adopted, and 252 copies of the questionnaire were duly completed and returned. Data were presented and analysed using mean scores, while the hypotheses were examined using the one-sample Kolmogorov\u2013Smirnov test with the aid of the Statistical Package for the Social Sciences (SPSS). The results showed that the Kolmogorov\u2013Smirnov test for responses relating to online transfers and customer retention yielded a Z-value of 9.071 (p &lt; .001), while the test for responses relating to online bill payments and income generation yielded a Z-value of 10.646 (p &lt; .001). These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/journal_article\\\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Digital Payment System and Performance of Deposit Money Banks in Enugu State\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#website\",\"url\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/\",\"name\":\"International Journal of Accounting Research and Financial Insights (IJARFI)\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/#\\\/schema\\\/person\\\/a01bf0d010e3d6c4df289f481abdb958\",\"name\":\"birpo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/456e5b4da19eedccc615c6da405c2fdd61087a592d2d3e354c20fdab032f97b2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/456e5b4da19eedccc615c6da405c2fdd61087a592d2d3e354c20fdab032f97b2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/456e5b4da19eedccc615c6da405c2fdd61087a592d2d3e354c20fdab032f97b2?s=96&d=mm&r=g\",\"caption\":\"birpo\"},\"sameAs\":[\"http:\\\/\\\/birpub.org\"],\"url\":\"https:\\\/\\\/birpub.org\\\/ijarfi\\\/author\\\/birpo\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Digital Payment System and Performance of Deposit Money Banks in Enugu State - International Journal of Accounting Research and Financial Insights (IJARFI)","description":"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. 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The results showed that the Kolmogorov\u2013Smirnov test for responses relating to online transfers and customer retention yielded a Z-value of 9.071 (p &lt; .001), while the test for responses relating to online bill payments and income generation yielded a Z-value of 10.646 (p &lt; .001). These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/","og_locale":"en_US","og_type":"article","og_title":"Digital Payment System and Performance of Deposit Money Banks in Enugu State","og_description":"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. 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These results indicated statistically significant differences between the observed response distributions and the specified uniform distribution. The study concluded that digital payment systems are important to the performance of deposit money banks in Enugu State. It recommended that banks should improve the reliability, speed, and transparency of online transfer services by minimising transaction delays and failures and providing timely and accurate transaction notifications. Banks should also intensify customer education on the convenience, accessibility, and security of online bill payment platforms.","og_url":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/","og_site_name":"International Journal of Accounting Research and Financial Insights (IJARFI)","article_modified_time":"2026-10-17T08:29:42+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"ScholarlyArticle","@id":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/#article","isPartOf":{"@id":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/"},"author":{"name":"birpo","@id":"https:\/\/birpub.org\/ijarfi\/#\/schema\/person\/a01bf0d010e3d6c4df289f481abdb958"},"headline":"Digital Payment System and Performance of Deposit Money Banks in Enugu State","datePublished":"2026-10-17T08:29:41+00:00","dateModified":"2026-10-17T08:29:42+00:00","mainEntityOfPage":{"@id":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/"},"wordCount":351,"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/","url":"https:\/\/birpub.org\/ijarfi\/journal_article\/digital-payment-system-and-performance-of-deposit-money-banks-in-enugu-state\/","name":"Digital Payment System and Performance of Deposit Money Banks in Enugu State - International Journal of Accounting Research and Financial Insights (IJARFI)","isPartOf":{"@id":"https:\/\/birpub.org\/ijarfi\/#website"},"datePublished":"2026-10-17T08:29:41+00:00","dateModified":"2026-10-17T08:29:42+00:00","description":"This study evaluated the relationship between digital payment systems and the performance of deposit money banks in Enugu State. Specifically, the study sought to examine the relationship between online transfers and customer retention and to ascertain the relationship between online bill payments and income generation among deposit money banks in Enugu State. The study focused on three selected banks within Enugu metropolis, namely First Bank Plc, United Bank for Africa (UBA), and Zenith Bank Plc. The study population was reported as 320, and the entire population was considered for the study because of its relatively small size. A survey research design was adopted, and 252 copies of the questionnaire were duly completed and returned. Data were presented and analysed using mean scores, while the hypotheses were examined using the one-sample Kolmogorov\u2013Smirnov test with the aid of the Statistical Package for the Social Sciences (SPSS). 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