Recent banking industries are systems of people, equipment, inventory and procedures arranged to interact in order to accomplish one or more objectives. Rapid changes due to globalization of banks, technological innovations, social and political changes cum increased awareness and demands from customers are putting pressures on banks which are being countered by new management approaches ranging from telecommuting to bank process reengineering. ICT is at the core of most innovations used today by banks to succeed or survive. ICTs are known for strategic management, communication, collaboration work, customers' access, managerial decision making, data management and knowledge management. This paper focused on advantages and disadvantages in using digital ICTs in banking activities for effective service delivery.

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