An evaluation of integrated banking systems in corporate banking: A case study of Zenith Bank, Kano
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Background of the Study
Integrated banking systems are designed to provide a seamless connection between various banking functions, thereby enhancing service delivery and operational efficiency in corporate banking. Zenith Bank in Kano has invested in integrated systems that consolidate data across multiple platforms, enabling real-time access to financial information and improving the coordination of services. These systems support a range of operations including customer relationship management, risk assessment, and transaction processing. Integration facilitates accurate data analysis, which is essential for making informed credit decisions and managing complex financial portfolios (Ijeoma, 2023). The adoption of an integrated system not only streamlines internal processes but also enhances the overall customer experience by providing a unified and consistent service across different channels (Adenuga, 2024). However, challenges such as the compatibility of new systems with legacy technologies and the high cost of integration can limit the full potential of these systems. This study examines the effectiveness of integrated banking systems at Zenith Bank, exploring their impact on corporate banking operations and identifying areas for improvement (Chukwu, 2025).
Statement of the Problem
Zenith Bank faces several challenges in fully integrating its banking systems, which impacts the efficiency of its corporate banking services. Incompatibility issues between new integrated systems and existing legacy platforms often result in data inconsistencies and operational delays. The high cost of system integration and maintenance further strains financial resources, while insufficient technical expertise may lead to underutilization of integrated functionalities. These issues not only reduce the quality of service delivery but also limit the bank’s ability to provide a seamless customer experience, thereby affecting overall competitiveness and profitability (Ijeoma, 2023; Adenuga, 2024).
Objectives of the Study
- To evaluate the effectiveness of integrated banking systems at Zenith Bank.
- To identify challenges related to system compatibility and cost.
- To recommend strategies for optimizing system integration in corporate banking.
Research Questions
- How effective are Zenith Bank’s integrated banking systems in supporting corporate operations?
- What challenges hinder the integration of new and legacy systems?
- What measures can enhance system integration and operational efficiency?
Research Hypotheses
- H₁: Integrated banking systems significantly improve operational efficiency in corporate banking.
- H₂: Compatibility issues with legacy systems negatively impact integration effectiveness.
- H₃: Strategic investments in technology and training enhance system integration outcomes.
Scope and Limitations of the Study
This study focuses on Zenith Bank’s corporate banking division in Kano, reviewing integrated system initiatives over recent years. Limitations include evolving technology standards and potential access restrictions to internal IT data.
Definitions of Terms
- Integrated Banking Systems: Systems that combine various banking functions into a single cohesive framework.
- Corporate Banking: Financial services provided to large business entities.
- Legacy Technologies: Older IT systems that may challenge new system integration.
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