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This study examined impact of information and communication technology (ICT) on Banks efficiency in Nigeria. The empirical model for this study is formulated based on relevant reviewed literatures, theoretical postulations and significant observed variables selected from highly methodological studies. The research design employed in this study is ex-post facto. This study is based on Nigeria as such the population of the study covers Access Bank, Zenith Bank, First Bank, GTBank, and UBA across 15 years (2008–2023). The key metrics include Return on Assets (ROA), Number of ATMs, Mobile Banking Transactions, and POS Transactions. The sampled size is more than 5 percent of the population (Five deposit money banks in Nigeria). The estimation procedures adopted in this study are in the following steps: Descriptive statistic of the series in the ,Augmented Dickey-Fuller (ADF) statistic unit root test to test for Stationary, Auto Regressive Distributive Lag (ARDL) model to test for long run relationship among the variables of interest, CUSUM Test to test for Model Stability, and Breusch-Godfrey Serial Correlation LM Test to check the presence of serial correlation among the variables. The regression results revealed that ATM Operations: Significantly and positively affect bank efficiency, highlighting their role in enhancing financial performance. Mobile Banking (Market Transactions): Exhibits a significant negative relationship with bank efficiency, suggesting potential implementation challenges or inefficiencies in mobile banking services. POS Operations: Shows a mixed impact on bank efficiency, with a significant negative effect in some models, indicating that while POS transactions increase convenience, they may also introduce operational inefficiencies. Based on the findings, the research therefore recommended that; Enhance ATM Services: Banks should continue to invest in ATM infrastructure, ensuring widespread availability and operational reliability to sustain and improve bank efficiency. Optimize Mobile Banking Platforms: Address the challenges associated with mobile banking by improving user experience, security features, and infrastructure to harness its potential for enhancing bank efficiency. Refine POS Operations: Evaluate and streamline POS transaction processes to reduce associated costs and inefficiencies. Training and support for merchants using POS systems should be enhanced to ensure smoother operations. Continuous Monitoring and Evaluation: Banks should implement robust monitoring systems to continuously evaluate the performance of electronic banking services, making necessary adjustments to optimize efficiency

The study investigated the relationship between information communication technology (ICT) and student Academic performance in public secondary School in Egor local Government Area of Edo state. The study adopted Descriptive survey Research Design, the population for the study consist of thirteen (13) public secondary school , through random sampling Ten(10 ) we’re selected as sample . A total of 150 respondent were used for the study in order to elicit information from the respondents, a structured questionnaire was validated by the supervisor and distributed to the selected schools. Five (5) Research question were posed to guide the study.

on the business performance of Small and Medium-sized Enterprises (SMEs) in the context of the COVID-19 pandemic. To address its objectives, the research formulated four research questions, four objectives, and two hypotheses. A sample of 100 respondents was surveyed using questionnaires. Data analysis was conducted using SPSS version 20.0 and Eviews 10, with descriptive statistics presenting the results and regression tests assessing the research hypotheses. The findings highlighted the substantial influence of ICT adoption on SMEs' business performance during the COVID-19 crisis. Various ICT tools were adopted, including telecommuting options, virtual communication platforms, cloud computing, CRM software, and e-commerce platforms. Regression analysis confirmed the positive relationship between ICT adoption and improved business performance. However, SMEs encountered challenges during this transition, such as limited internet access, financial constraints, power outages, inadequate employee technical skills, and a lack of awareness regarding ICT benefits. Notably, the study revealed that while resources and technological capability significantly influenced ICT adoption, perceived usefulness did not. The study recommends several actions based on these findings. Businesses should promote the use of ICT tools to enhance productivity, particularly during crises. Efforts should focus on improving internet infrastructure and affordability for SMEs, with a stronger allocation of resources toward ICT adoption and employee skill development. Comprehensive awareness programs should educate stakeholders on ICT benefits, and businesses should prioritize resource allocation and technological capability enhancement for successful ICT adoption. These recommendations can help SMEs leverage ICT effectively for sustained business performance.

This study investigated the Impact of Facilities Utilization on Motivation of Student Learning in Ikpoba-Okha Local Government Area with a case of Army Day Secondary School, Ikpoba Hill, Benin City. Five research questions were raised and answered The research employed a survey research. The population of the study comprised 301,447 inhabitants of various villages and towns of Ikpoba Okha Local Government Area in Edo South Senatorial District. The research instrument titled “Impact of Facilities Utilization on Motivation of Student Learning” was used for the collection of data for this study. The instrument carried questions for oral interviews and brainstorming. The instruments were scrutinized by the research supervisor and validated by an expert in measurement and evaluation in the Faculty of Education University of Benin, Benin City. The instruments were not subjected to reliability test because they 13contained items for oral questions, brainstorming, interviews and surfing the internet. The findings of the revealed It was revealed that the findings on working environment in the Army Day Secondary School, Ikpoba Hill, Benin City was found to be very deplorable at the time of this research. It was found that the inside and outside view of classroom blocks were badly damaged by students. Especially when they engage in fighting between students of Western Boys Secondary School and Army Day Secondary School, Ikpoba Hill, Benin City. Moreover, it was found that there is no access to Army Day Secondary School, Ikpoba Hill, Benin City. Both staff and students have to manage to pass through alternative pathway at the back of the school buildings because the former road which has the security post was blocked by erosion. Furthermore, the study also discovered It was found that students hardly settle comfortably in their classrooms due to dilapidation. Hence, they have opportunity to troop out to Lucky Way Road across to Western Boys Secondary 14 School to engage in fighting and destruction of property. Sometimes they stone passerby and moving vehicles with reckless abandon. It was also found that the school authorities were overwhelmed by indiscipline of the student in this school in 2022. It was compelled to close down and moved JSS1 to JSS 3 to Army Children School Located within the Army Barracks. Based on the findings of the study it was be concluded that there is Impact of facilities utilization on motivation of student learning in Ikpoba-Okha Local Government Area especially in Army Day Secondary School, Ikpoba Hill, Benin City in Edo South Senatorial District which was studied. The school environment inundated with antiquated facilities could not motivate students to settle down and learn. Rather, they were prune to misbehaviours. It was recommended that there should be parameter fencing of this secondary school to ensure control; the environment of the school should be made conducive for teaching and learning; the Nigerian Army should ensure the provision of access roads to the school.

The idea of a library has moved beyond the physical world and found a new home in the increasingly digital era. The developing environment of digital libraries and their significant influence on knowledge transmission, preservation, and accessibility are explored in this abstract. Digital libraries
act as repositories for enormous and varied informational collections, encompassing anything from scientific research and classic literature to multimedia archives and cultural heritage. They enable people to conveniently access information at any time and from any location, democratizing knowledge in ways that were previously unthinkable. Digital libraries also have a significant impact on the preservation of delicate and endangered artifacts, protecting cultural treasures and priceless historical records. Their comprehensive metadata systems and archiving methods make it possible to permanently preserve knowledge for future generations.