Digitalization of all services is needed in the banking sector, there is a possibility that this will
prove to be a temporary trend that will not last once social distancing restrictions are lifted.
Such developments have included facilitating increased use of online banking, mobile bank
transfers and e-wallets for virtual payments. In this paper, a sample was administered to a
population of 206 respondents, the 206 respondents consisted of 57 (27.7%) of UBA staff,
and 78 (37.8%) of Access bank staff, 40 (19.4%) Zenith bank staff, 14 (6.8%) of First bank
staff and 17(8.3%) of Guaranty Trust bank staff to get response concerning the use of digital
banking services in their banks amidst the covid-19 pandemic and how it has impacted on
them. The results proved that digitization is a welcome development in the banking sector
and the effects are positive

The application of Information and Communication Technology (ICT) has revitalized the
educational sector and various other sectors of the economy in Nigeria. The advance
technological tools used in the dissemination, storage and management of Information and
communication has only been possible through the use of ICT. In the Educational sector,
ICT can assist staff and students to enhance the quality of learning and teaching as well in
tertiary institutions. This paper reports the investigation carried out to ascertain the available
ICT facilities and usage in three institutions in Nigeria and the implementation of these
facilities. A total of 300 respondent were drawn from University of Benin (UNIBEN), Ambrose
Alli University (AAU) and Benson Idahosa University (BIU). Questionnaire instrument was
developed and administered to Administrators, lecturers and students randomly in the
universities selected, the data gathered was subsequently analyzed using SPSS. The role of
ICT in tertiary institutions was discussed. Suggestions are made on the design and mode of
implementing ICT assisted learning in tertiary institution. The study revealed the benefits and
challenges of implementing ICT assisted learning

Digitalization of all services is needed in the banking sector, there is a possibility that this will
prove to be a temporary trend that will not last once social distancing restrictions are lifted.
Such developments have included facilitating increased use of online banking, mobile bank
transfers and e-wallets for virtual payments. In this paper, a sample was administered to a
population of 206 respondents, the 206 respondents consisted of 57 (27.7%) of UBA staff,
and 78 (37.8%) of Access bank staff, 40 (19.4%) Zenith bank staff, 14 (6.8%) of First bank
staff and 17(8.3%) of Guaranty Trust bank staff to get response concerning the use of digital
banking services in their banks amidst the covid-19 pandemic and how it has impacted on
them. The results proved that digitization is a welcome development in the banking sector
and the effects are positive.

The application of Information and Communication Technology (ICT) has revitalized the
educational sector and various other sectors of the economy in Nigeria. The advance
technological tools used in the dissemination, storage and management of Information and
communication has only been possible through the use of ICT. In the Educational sector,
ICT can assist staff and students to enhance the quality of learning and teaching as well in
tertiary institutions. This paper reports the investigation carried out to ascertain the available
ICT facilities and usage in three institutions in Nigeria and the implementation of these
facilities. A total of 300 respondent were drawn from University of Benin (UNIBEN), Ambrose
Alli University (AAU) and Benson Idahosa University (BIU). Questionnaire instrument was
developed and administered to Administrators, lecturers and students randomly in the
universities selected, the data gathered was subsequently analyzed using SPSS. The role of
ICT in tertiary institutions was discussed. Suggestions are made on the design and mode of
implementing ICT assisted learning in tertiary institution. The study revealed the benefits and
challenges of implementing ICT assisted learning.