The advent of Information and Communications Technology (ICT) in the new age has led to the digitalization of business processes including banking. For performance measurement among other usefulness, the dataset for these adopted electronic banking channels – Automated Teller Machines, Internet (Web) Transactions, Mobile Payments, Instant Payments, Electronic Fund Transfer, Point of Sales (POS), Automated Cheque Clearing and e-BillsPay was sourced. This dataset gives a trend analysis of e-payment performance of transactions both in value and volumes on each channel as consummated on the platform of Nigeria Inter-Bank Settlement System (NIBSS) in the last six years covering 2012–2017.

Water borne diseases have continued to linger and has remained a major challenge facing most developing nations today. This has been caused mainly by lack of access to clean water. The rapid industrialization has led to the discharge of effluents loaded with pollutants into our water bodies that have greatly affected humans, aquatic life and the environment. This work looks into the possibility of improving the quality water through the elimination of (i) inherent contaminants in water using filters made from cheap locally available red clay and biomass (300 microns sawdust) materials and (ii) chemical treatment of industrial and domestic effluents which in itself is a source of environmental pollution. The sawdust-clay materials were first thoroughly dry mixed in four different weight ratios, 6/80 (sample A), 5/80 (sample B) 4/80 (sample C) and 2/80 (sample D) before water was then added gradually and mixed until the clay clumped together completely, softened and workable. It was then wedged by pressing firmly in order to remove bubbles from the inside of the clay and molded into cup--like shape. It was first sun dried then oven dried at 110 °C and then fired in a Muffle furnace at 850 °C to burnout the sawdust biomass and thus create fine pores within the clay matrix. Performance of the sawdust-clay filters for the purification of waste water obtained from two different sources, industrial and kitchen effluents, was investigated. Results obtained from the study showed that the four filters (A, B, C and D) proved to be moderately effective for the treatment of the two effluents. All the filters reduced the total dissolved solids (TDS) to 120 and 110 mg/L of the industrial and kitchen waste water respectively, to acceptable levels which is less than 500mg/L, set by the World Health Organization (WHO). Conductivity values obtained after the treatment of the water samples were lower than the 1000 µs/cm limit set by WHO. And with the exception of filter D, others greatly reduced the turbidity of water samples as values less than 5 NTU as set by WHO were obtained. The pH values or acidity reduced for the industrial waste water from 4.5 to 7.02 and for kitchen waste water from 5.1 to 7.02 which met the specification set by WHO. Some of the heavy metals detected in the water samples were effectively reduced to acceptable levels. The filtration rates were 140, 100, 50 and 20 ml/min for filters B, A, C and D respectively. The rates rapidly reduced to about 2.7, 1.7, 1.0 and 0.7 ml/min for A, B, C and D respectively after 30 minutes of filtration. This implies that the filters were effective and should thus be developed for industrial and domestic waste water treatment applications.

The research empirically examines effect of Mergers and Acquisitions on Corporate Financial success of Quoted Insurance Companies in Nigeria. It has become expedient in the face of the drastic increase in Mergers and Acquisitions activity in recent decades and the fact that there has been very little empirical evidence of positive wealth effects and particularly the success of M&A in the insurance sector. This has arisen because most studies in Nigeria have rather focused on the banking sector. Data was obtained from Quoted Insurance Companies from 2003 to 2016 and the Regression Techniques were employed in the study. The result indicated that there exists a positive effect of M&A on Corporate Financial Performance of Insurance Companies. It revealed that a unit increase in merger led to about 4% increase in the Corporate Financial Performance of the merged firms. In effect, a unit increase in Earnings after Merger actually led to about 8% increase in the Corporate Financial Performance of the same firms. The study hereby recommend that Insurance Companies should look at issues of Claims settlement, Product Development and Branding while the National Insurance Commission (NAICOM) should look into the education of insurable clients as well as appropriate polices that would drive Insurance penetration in Nigeria.

This research aimed at studying electronic banking and how it has impacted the efficiency of operations of SMSE in Nigeria. The research objective was to investigate the bearing of electronic banking on operational efficiency of SMEs in South-western Nigeria, making use of Lagos and Ogun States as a case study. The study relied on information gathered through surveys. Operational efficacy of micro, small, and medium-sized businesses served as dependent variable while POS machines (point of sale), Internet banking, ATMs, mobile banking apps, and SMS messages served as the independent variables. Primary data was sourced through the use of questionnaire while the multiple linear regression model was used to estimate the sourced data. The findings displayed that while ATM use ( = 0.20, p = 0.3114), MOP ( = 0.04, p = 0.5631), and SMS ( 0.07, p = 0.4339) had no significant effect on operational efficiency of SMSEs in South-western Nigeria, POS had an impact that is both favourable and considerable. Given the benefit of electronic banking to SMSEs, it was recommended that SMSEs should be motivated and supported to adopt the POS electronic banking platforms.