An examination of the role of cloud computing in business banking: A case study of Access Bank Nigeria, Kano.
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Background of the Study
Cloud computing has emerged as a transformative force in the business banking sector, offering scalability, flexibility, and cost efficiency. Access Bank Nigeria, Kano, has been proactive in leveraging cloud computing to enhance its business banking operations. By migrating critical applications and data storage to the cloud, the bank has been able to streamline its operations, improve disaster recovery capabilities, and facilitate real-time data access across various departments (Akin, 2023). Cloud computing enables banks to scale services dynamically, respond quickly to market changes, and improve overall operational efficiency. In the context of business banking, where transaction volumes are high and data processing demands are intense, the benefits of cloud computing are particularly pronounced (Babatunde, 2024).
The adoption of cloud-based solutions at Access Bank has led to significant improvements in data management and operational agility. The bank uses cloud platforms to support online banking, customer relationship management, and even risk assessment activities. These platforms offer robust security measures and compliance frameworks, essential for handling sensitive financial data. Furthermore, cloud computing allows for seamless integration of new technologies such as artificial intelligence and machine learning, which can further enhance decision-making processes and customer service delivery (Chisom, 2025). Despite these advantages, the transition to cloud computing is not without its challenges. Concerns related to data privacy, regulatory compliance, and potential downtime have raised questions about the widespread adoption of cloud solutions in a traditionally risk-averse industry.
Access Bank’s experience underscores both the transformative potential and the operational challenges of cloud computing in business banking. As the bank continues to invest in cloud technologies, it must also address issues such as data sovereignty, integration with legacy systems, and the need for continuous monitoring of service performance. This study aims to examine the role of cloud computing in enhancing business banking operations at Access Bank, Nigeria, Kano, evaluating both its benefits and the challenges that must be managed (Okafor, 2023).
Statement of the Problem
While cloud computing offers considerable benefits for business banking, Access Bank Nigeria, Kano, faces several challenges in its implementation. One of the key issues is the integration of cloud solutions with existing legacy systems, which can lead to data inconsistencies and system downtime. This integration challenge disrupts service continuity and complicates the bank’s efforts to maintain a seamless operational environment (Olu, 2023). In addition, concerns about data privacy and regulatory compliance are significant. Although cloud providers implement stringent security measures, the uncertainty surrounding data control and cross-border data flows poses risks that can affect customer confidence and regulatory standing (Ijeoma, 2024).
Furthermore, the bank must contend with the potential for technical glitches and outages, which can impact both internal operations and customer service. The dependency on third-party cloud service providers introduces an external risk factor that is not entirely within the bank’s control. These challenges highlight the gap between the anticipated advantages of cloud computing—such as cost savings, scalability, and operational agility—and the practical obstacles encountered during implementation (Chukwu, 2025). Without effective strategies to manage these risks, the full benefits of cloud computing may remain unrealized at Access Bank.
This study therefore seeks to investigate the role of cloud computing in enhancing business banking performance at Access Bank, Nigeria, Kano. It aims to identify the integration challenges, assess the impact on operational efficiency, and propose measures to mitigate associated risks (Bello, 2023).
Objectives of the Study
• To evaluate the impact of cloud computing on operational efficiency in business banking at Access Bank, Nigeria, Kano.
• To identify the challenges related to integrating cloud solutions with legacy systems.
• To assess the effectiveness of cloud computing in ensuring data security and regulatory compliance.
Research Questions
• How does cloud computing influence operational efficiency in business banking at Access Bank, Nigeria, Kano?
• What challenges are encountered when integrating cloud solutions with existing legacy systems?
• To what extent does cloud computing enhance data security and regulatory compliance in business banking?
Research Hypotheses
• H1: Cloud computing significantly improves operational efficiency in business banking at Access Bank, Nigeria, Kano.
• H2: Integration challenges between cloud solutions and legacy systems negatively affect service continuity.
• H3: Effective cloud computing implementation is positively correlated with improved data security and regulatory compliance.
Scope and Limitations of the Study
This study focuses on Access Bank Nigeria, Kano, specifically examining the impact of cloud computing on its business banking operations. Limitations include restricted access to sensitive operational data, potential biases in evaluating system performance, and the rapidly evolving technological landscape which may affect long-term applicability.
Definitions of Terms
• Cloud Computing: The delivery of computing services—including servers, storage, databases, networking, and software—over the internet (“the cloud”).
• Business Banking: Banking services targeted at corporate clients, including transaction processing, loans, and financial advisory services.
• Legacy Systems: Older information technology systems that may not integrate seamlessly with modern cloud-based solutions.
• Data Security: Measures taken to protect digital data from unauthorized access or corruption.
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