DIGITAL TECHNOLOGY

This study examined the transportation problems affecting inland waterways in Nembe, Bayelsa State. A sample of 110 respondents, including boat operators, passengers, and residents, provided data through structured questionnaires. The findings revealed that insecurity and piracy constitute the most critical challenge affecting waterway transportation, alongside poor infrastructure, lack of safety equipment, and weak regulatory enforcement. These challenges lead to increased transportation costs, delays, loss of lives and property, and reduced economic activity. The study recommends improved security patrols, better infrastructure, strict enforcement of safety regulations, and increased government involvement and funding. The findings provide insights that can guide policy interventions to improve waterway transportation in Bayelsa State.

The rapid advancement of digital technology has significantly transformed the banking sector, with financial institutions increasingly leveraging digital platforms to enhance service delivery, improve customer experiences, and foster long term relationships. This study examines the relationship between digital technology and customer loyalty in the banking sector, focusing on Zenith Bank in Benin City, Nigeria. Despite substantial investments in digital banking solutions such as mo bile applications, internet banking, automated teller machines (ATMs), and AI driven customer support systems, challenges such as service reliability, security concerns, and limited customer awareness persist, affecting customer retention. This study employs a quantitative research approach to assess how key digital banking factors including accessibility, service quality, security, and customer awareness influence customer loyalty. A structured survey was administered to customers of Zenith Bank in Benin City, and the collected data was analyzed using statistical techniques to identify significant relationships. Findings indicate that while digital banking enhances convenience and accessibility, issues such as security concerns and system downtimes negatively impact customer loyalty. Moreover, customer awareness and trust in digital platforms play a critical role in determining long-term engagement with digital banking services.