S.A. IGIEHON

Work stress is a significant factor affecting employee productivity in modern workplaces. Thisstudy examines the impact of job-related stress on employee performance, focusing on its causes, effects, and potential mitigation strategies. Using an empirical approach, the research exploreshow factors such as heavy workload, long working hours, lack of control over work processes, and job insecurity contribute to stress among employees. The study further investigates the relationship between work stress and employee productivity, highlighting how excessive stress can lead to reduced efficiency, low morale, absenteeism, and job dissatisfaction. Findings suggest that effective stress management techniques, such as workplace flexibility, employee support programs, and a positive work environment, can enhance productivity levels. The study provides insights for employers and policymakers on fostering a healthier work culture that
balances job demands with employee well-being, ultimately improving overall organizational performance.

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.