Department of Banking and Finance
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Item Women's Access to Housing Finance in Nigeria(2024) Adegboye, Folasade B; Adesina, Tolulope F.Item E-BANKING CHANNEL TRANSACTION COST AND FINANCIAL INCLUSION IN NIGERIA(African Banking and Finance Review Jom·nal (ABFRJ) Volume- 20 Issue- 121, 2025) Adesina, Tolulope F.; Glory, Akinboni B.This study examined the impact of e-banking transactions costs on financial inclusion in Nigeria between 2014Ql-2024Ql. Data were sourced from Central Bank of Nigerian statistical bulletin and the National Bureau of Statistics and analyses were conducted using OLS regression, Johansen cointegration, and Granger causality to evaluate short- and long-run dynamics. The findings revealed that the ATM and debit card prices had detrimental impact on fmancial inclusion and discouraged usage among low-income patrons, whereas POS, mobile payments, and web-based banking had positive impact that was highly significant, highlighting their contribution to deepening access to financial services. Long-run cointegration indicated that there was a stable relationship between financial inclusion and transaction costs and as a result of the causality fmdings, most digital channels had bidirectional causality with fmancial inclusion. The study concludes that while digital innovations contribute to financial inclusion, rising costs have the tendency to reverse the positive effects, thereby frustrating the efforts of achieving the goals of Nigerian monetary authorities in 2030. The study recommended reforms in pricing, cost-effective infrastructure, greater agent networks and tougher competition between providers to ensure affordability and sustainabilityItem TRADE IN SERVICES IN WEST AFRICA: INTELLECTUAL PROPERTY RIGHT(Pretoria University Law Press, 2024-05) Adegboye, Folasade B; Adesina, Tolulope F.As the twenty-first century progressively advances, services are increasingly becoming a paradigm for economic performance for countries and their organisations globally in the international markets. There are conceivable innate potentials for trade in services in West Africa, especially with the advent of the African Continental Free Trade Area (AfCFTA) economies, unlike their developed counterparts, are compelled to adhere to the requirements of the intellectual property guidelines because they have to model their intellectual property laws to provide norms. The exercise of IP rights has no protection for indigenous knowledge, thereby exasperating the well-being of developing countries in the context of West Africa, as the situation remains hamstrung over the years. The research work aimed at establishing how intellectual property relates to trade, competitive markets, industrial advancement, and economic growth. Since the efficiency of trade flow is strongly determined by the level of trade facilitation within the countries involved, regulatory efficiency in the form of IP rights is much required for the safekeeping of the creativity of the indigenous knowledge of entrepreneurs to maximally reap the best output returns in trade services. The research summed up that the West African story is pertinent as the region is resource full, with grassroots engagements through entrepreneurship activities in service trade and, if empowered by focus-driven IPRs, which in itself is a trade facilitator, the much-anticipated economic growth, hence economic fluidity is achievableItem Unsupervised learning analysis of European working condition(Cogent Business & Management VOL. 11, NO. 1,, 2024) Adesina, Olumide S.; Adedotun, Adedayo F.; Alayande, Semiu A.; Efe-Imafidon, Emmanuel O.; Adesina, Tolulope F.; Okagbue, Hillary I.; Onayemi, Oluwakemi O.Workers require good working conditions to enhance their job performance, in this study, we conducted a survey of European working conditions in 2022 and compared the results with that of 2016 using an unsupervised learning approach for exploratory data analysis and determining the relationships. Hence, the Principal Component Analysis (PCA ) was adopted. The analyses were in two parts for both the 2016 and 2022 surveys. Following the PCA , the first part shows that European workers are mostly characterized by cheerfulness and good spirits. The second part reveals that European workers are best characterized by enthusiasm in their work. Test statistics showed that the European working condition for the two periods does not differ significantly. The working conditions in Europe have not been altered in the space of six years. This study recommends that the working condition in Europe should be improved so that employers would continue to give their best.