@incollection{,
	
					
					
					9EFF78E859AAB828EF4DB966B8BB865A
				,
	author={{Idoko, CletusUsman} and {Kogi State College of Education}},
	journal={{Global Journal of Human Social Sciences}},
	journal={{GJHSS}}2249-460X0975-587X10.34257/GJHSS,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}15214
}

@book{b0,
	
	
		,
	title={{Daily Sun}}
		,
	author={{
			SAdesida
		}}
		
			,
	year={2006. June 26}
			41
			,
	address={Monday}
		
	

}

@book{b1,
	
	
		,
	title={{The Imperatives of e-banking for Monetary Policy in Nigeria, Central Bank of Nigeria Economic and Financial Review}}
		,
	author={{
			ABarnidele
		}}
		
			,
	year={2006}
			43
			
		
	

}

@book{b2,
	
	
		,
	title={{Fact File on Bank Recapitalization" Abuja; a publication of Central Bank of Nigeria}}
		,
	author={{
			Cbn
		}}
		
			,
	year={2004}
		
	

}

@incollection{b3,
	
	
		,
	title={{Impact of bank consolidation and the Nigeria economy business Guardian}}
	
	
		,
	journal={{CBN}}
		
			,
	year={2005. December 31}
		
	

}

@incollection{b4,
	
	
		,
	title={{E-Banking: Complaints About Poor Service Quality Persist}}
		,
	author={{
			SEbulu
		} and {
			AAjibade
		}}
		
	
	
		,
	booktitle={{The Nation, 29th September}}
				
			,
	year={2008}
			
		
	

}

@incollection{b5,
	
	
		,
	title={{Relationship Between Monetary and Fiscal Policies in Economic Management}}
	
	
		,
	journal={{Nigeria Economic Society Economic and Financial Review}}
		,
	editor={Nanna, 0.}
		
			50
			3
			50
			,
	year={2003}
		
	

}

@book{b6,
	
	
		,
	title={{Beyond Bank Consolidation}}
		,
	author={{
			ONnanna
		}}
		
			,
	year={2005}
		
	
	,
	note={The Impact on the Society. a paper presented at the fourth annual monetary policy conference of the CBN Abuja 18th-19th November}

}

@book{b7,
	
	
		,
	title={{Challenges of the e-banking Revolution IMF Finance and Development}}
		,
	author={{
			SNsonli
		} and {
			ASchachter
		}}
		
		
			,
	year={2002. September}
			20
		
	

}

@incollection{b8,
	
	
		,
	title={{Development of Electronic Banking in Nigeria. The Associated Regulatory / Supervisory Challenges}}
		,
	author={{
			SAOlyemi
		}}
	
	
		,
	journal={{DDIC Quarterly}}
		
			11
			3
			,
	year={2001. September /December. Pp. 22}
		
	

}

@book{b9,
	
	
		,
	title={{internet Banking; practices and potentials in Nigeria. A paper at the conference organized by institute of chartered Accountant of Nigeria (ICAN}}
		,
	author={{
			IOvia
		}}
		
			,
	year={2001. September 5}
			,
	address={Lagos}
		
	

}

@incollection{b10,
	
	
		,
	title={{The Financial Sector in Africa: Overview and Reforms in Economic Adjustment Programmes}}
		,
	author={{
			SEOmoruyi
		}}
	
	
		,
	journal={{CBN Economic and Financial Review}}
		
			29
			2
			
			,
	year={1991}
		
	

}

@book{b11,
	
	
		,
	title={{Consolidation of the Nigeria Banking to meet the Developmental Challenges of 21st century}}
		,
	author={{
			CSoludo
		}}
		
			,
	year={2004}
		
	

}

@book{b12,
	
	
		,
	title={{Dialy Sun, Thursday}}
		
			,
	year={2006. June 22}
			39
			,
	address={Uba, C.}
		
	

}

@incollection{b13,
	
	
		,
	title={{Electronic Banking: Practices from Other Countries, Associated risks and Implications}}
		,
	author={{
			ABZarma
		}}
	
	
		,
	journal={{NDIC Quarterly}}
		
			11
			3
			220
			,
	year={2001}
		
	

}