@incollection{,
	
					
					
					A36CEF012976A0C4C89E6066FC160441
				,
	author={{Ayokunle OlumideOdusina} and {Abraham Adesanya Polytechnic Ijebu Igbo, Ogun State, Nigeria}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}176914
}

@incollection{b0,
	
	
		,
	title={{Impact of Electronic Banking on Customer Services}}
		,
	author={{
			AAAgboola
		}}
	
	
		,
	journal={{Ife Journal of Economics and Finance}}
		
			5
			
			,
	year={2001}
		
	

}

@incollection{b1,
	
	
		,
	title={{the effects of Electronic banking on growth of Deposit Money banks in Nigeria}}
		,
	author={{
			AhmaduAbubakar
		}}
	
	
		,
	journal={{European Journal of Business and Management}}
		
			6
			,
	year={2014. 2014}
		
	

}

@book{b2,
	
	
		,
	title={{technology Issues in Information System}}
		,
	author={{
			Alabi
		}}
		
			,
	year={2005}
			,
	publisher={West African Publishing house}
			,
	address={Lagos Pp}
		
	

}

@book{b3,
	
	
		,
	author={{
			ZAnsari
		}}
		,
	title={{Relationship between Consumer Demographics and New Product Adoption, MAGNT Research Report}}
				
			,
	year={2014}
			2
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Customers' Satisfaction and its Implications for Bank Performance in Nigeria}}
		,
	author={{
			BAdeoye
		} and {
			OLawanson
		}}
		
	
	
		,
	journal={{British Journal of Arts and Social Sciences}}
		
			5
			1
			,
	year={2012. 2012}
		
	

}

@incollection{b5,
	
	
		,
	title={{Electronic payment systems development in a developing country: the role of institutional arrangements}}
		,
	author={{
			BriggsAustin
		} and {
			& BrooksLawrence
		}}
		
		
	
	
		,
	journal={{EJISDC}}
		
			49
			
			,
	year={2011. 2011}
		
	

}

@book{b6,
	
	
		
		,
	title={{Guidelines on Electronic Banking in Nigeria}}
				
			,
	year={2004}
		
		
			Central Bank of Nigeria
		
	

}

@book{b7,
	
	
		
		,
	title={{Payment System Evolution}}
				
			,
	year={2010}
		
		
			Central Bank of Nigeria
		
	

}

@incollection{b8,
	
	
		,
	title={{technology innovation and Nigeria banks performance: the assessment of employees' and customers' responses}}
		,
	author={{
			YDauda
		} and {
			WA & Akingbade
		}}
		
		
	
	
		,
	journal={{American Journal of Social and Management Sciences}}
		
			,
	year={2011}
		
	

}

@book{b9,
	
	
		,
	title={{Internet Banking practises and potentials in Nigeria. Paper delivered at a workshop organized by the institute of chartered Accountants of Nigeria at Lagos}}
		,
	author={{
			JOvia
		}}
		
			,
	year={2001}
		
	

}

@book{b10,
	
	
		,
	title={{Recovery and Growth in Bank transactions}}
		,
	author={{
			JOvia
		}}
		
			,
	year={2006}
			,
	publisher={Lagos Academic press Plc pp13}
		
	

}

@incollection{b11,
	
	
		,
	title={{SPSS Survival Manual: A Step by Step Guide to Data Analysis}}
		,
	author={{
			JPallant
		}}
	
	
		,
	journal={{Using SPSS}}
		
			,
	year={2002}
			,
	publisher={Open University Press}
		
	

}

@incollection{b12,
	
	
		,
	title={{Relationship between online service Quality and customer satisfaction}}
		,
	author={{
			PSaha
		} and {
			YZhao
		}}
		
		
	
	
		,
	booktitle={{A study of internet Banking}}
				
			,
	year={2005}
		
	

}

@incollection{b13,
	
	
		,
	title={{The effect of Cashless Banking on Nigerian Economy}}
		,
	author={{
			TTSiyanbola
		}}
	
	
		,
	journal={{E-canadian Journal of Accounting and Finance}}
		
			1
			2
			
			,
	year={2013}
		
	

}

@book{b14,
	
	
		,
	title={{Applied Multivariate Statistics for Social Sciences}}
		,
	author={{
			JPStevens
		}}
		
			,
	year={2002}
			,
	publisher={Lawrence Erlbaum Associates Publishers}
			,
	address={London}
		
	

}

@book{b15,
	
	
		,
	title={{Using Multivariate Statistics}}
		,
	author={{
			BGTabachnick
		} and {
			LSFidell
		}}
		
		
			,
	year={1996}
			,
	publisher={Harper Collins}
			,
	address={New York, NY}
		
	

}

@incollection{b16,
	
	
		,
	title={{The value of different customer satisfaction and loyal metrics in predicting customer retention, recommendation and share of Wallet}}
		,
	author={{
			LKTimothy
		} and {
			CBruce
		} and {
			W ALerzan A; Tor
		} and {
			WJaw
		}}
		
		
		
	
	
		,
	journal={{J. service quarterly}}
		
			17
			4
			
			,
	year={2007}
		
	

}

@book{b17,
	
	
		,
	title={{A major client source to stock broking firms in Nigeria, A paper presented during the Annual Retreat of Cash craft Asset management limited}}
		,
	author={{
			UEUmorok
		}}
		
			,
	year={2008. 15th December}
			,
	address={Lagos}
		
	

}

@book{b18,
	
	
		,
	title={{Introduction to technology in the Nigeria Bank Industry, Ibadan, Spectrum Books}}
		,
	author={{
			EWoheren
		}}
		
			,
	year={2000}
			
		
	

}