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Banking and Finance — 2025, Undergraduate
This study investigated the influence of financial inclusion on banking sector development in Nigeria. A descriptive survey was conducted with bank customers and branch officers using a structured questionnaire, complemented by industry data. Data were analysed using descriptive statistics and regression analysis. The findings revealed that increased account ownership, mobile banking adoption, and access to credit significantly expanded bank deposits and deepened financial intermediation. However, low digital literacy, infrastructure gaps, and trust concerns limited progress. The study recommends expanded financial education, improved rural infrastructure, and innovative low-cost banking products.
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