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Banking and Finance — 2025, Undergraduate
This study investigated the influence of deposit insurance on depositor confidence in the Nigerian financial system. A descriptive survey was conducted with bank depositors using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that awareness of deposit protection significantly enhanced depositor confidence and reduced panic withdrawal behaviour, although many depositors were unaware of coverage details. The study found that confidence depended equally on bank reputation and regulatory soundness. It recommends public education on deposit insurance, transparent guarantee arrangements, and strengthened supervision to sustain confidence.
For reference and learning only. Do not submit this work as your own.
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