http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/3687 2026-05-15T03:24:42Z 2026-05-15T03:24:42Z Saidu, Muhammed Suleiman Ijaiya, Mukaila Dauda, Abdulwaheed Dauda, Chetubo Kuta Bello, Ibrahim Enesi http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/30868 2026-05-05T19:38:19Z 2025-06-01T00:00:00Z

Title: EMPIRICAL EXAMINATION OF THE LINK BETWEEN BUSINESS MODEL INNOVATION AND DYNAMIC CAPABILITIES OF MICROFINANCE BANKS IN NORTH CENTRAL NIGERIA Authors: Saidu, Muhammed Suleiman; Ijaiya, Mukaila; Dauda, Abdulwaheed; Dauda, Chetubo Kuta; Bello, Ibrahim Enesi Abstract: Business Model Innovation is believed by many to have the capacity to improve the dynamic capabilities of small firms especially those in the service sector like the Micro Finance Banks. However, the review of recently published relevant extant literature revealed that there is a paucity of empirical studies examining the effect of Business Model Innovation on the dynamic capabilities of MFBs in North Central Nigeria.Therefore, to fill these gaps in literature, the study investigated how BMI affects Dynamic Capabilities of MFBs in North Central Nigeria. To do this, the study employed a structured questionnaire to gather primary data from 301 sampled MFBs across the states in North Central Nigeria inclusive of Abuja utilizing a multi-stage sampling technique. The study employed both descriptive statistics and multiple regression analysis using Statistical Package for the Social Sciences (SPSS) version 23 in the analysis of the data generated. The result showed that value creation (β=-0.272; p=0.000) has a negative but significant effect on DCs. The results also indicate that the effect of value proposition innovation (β = 0.914, p = 0.000) was positive and significant while value capture innovation (β =0.086, p = 0.505) has a positive effect which is not significant on DCs of MFBs in North Central Nigeria. The study recommends among others the entrenchment of a continuous practice of BMI by MFBs in the study area to enhance their DCs.

2025-06-01T00:00:00Z Dauda, Abdulwaheed Musa, Oziohu Fatima Hamidu, Ramatu Adamu, Fridausi Ibrahim, Fatima Maaji Atoyebi, Kabirat Mayowa http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/30804 2026-05-04T16:08:17Z 2025-12-01T00:00:00Z

Title: EXPLORING THE MEDIATING EFFECT OF TRUST IN THE RELATIONSHIP BETWEEN CYBERSECURITY CONCERNS AND MOBILE BANKING ADOPTION AMONG FINTECH CUSTOMERS IN NIGERIA Authors: Dauda, Abdulwaheed; Musa, Oziohu Fatima; Hamidu, Ramatu; Adamu, Fridausi; Ibrahim, Fatima Maaji; Atoyebi, Kabirat Mayowa Abstract: Abstract Mobile banking is intended to provide a secure and efficient platform for advancing financial inclusion, yet in Nigeria persistent cybersecurity challenges such as fraud, system unreliability and privacy threats continue to erode consumer trust and constrain adoption. This study investigates the mediating role of trust in the relationship between cybersecurity concerns and mobile banking adoption among fintech users in Nigeria. Anchored in the Technology Acceptance Model theoretical perspectives, the study adopted a cross-sectional quantitative research design to provide empirical evidence of these relationships. Data were collected through a structured questionnaire administered to 498 active mobile banking users selected through multi-stage sampling across major urban and semi-urban locations. The instrument was validated through expert review and reliability was confirmed using Cronbach’s alpha of 0.81 coefficients. Data were analyzed using regression-based mediation techniques with bootstrapping procedures to test the indirect effects and establish the robustness of the mediation pathways. The findings reveal that perceptions of fraud, financial loss and system reliability significantly reduce adoption through diminished trust, whereas privacy concerns exhibit no significant indirect influence. Trust emerges as the critical conduit linking cybersecurity perceptions with users’ willingness to adopt mobile banking services, underscoring that technological adequacy alone cannot ensure adoption without a solid foundation of trust. It is therefore concluded that restoring and maintaining consumer trust is indispensable to achieving sustained mobile banking adoption. The study recommends the establishment of integrated cybersecurity governance frameworks emphasizing real-time fraud monitoring, transparent data management and continuous user education as essential for rebuilding trust and ensuring long-term sustainability within the mobile banking ecosystem.

2025-12-01T00:00:00Z Dauda, Abdulwaheed Adamu, Firdausi Musa, Oziohu Fatima Atoyebi, Kabirat Mayowa Ibrahim, Fatima Maaji Hamidu, Ramatu http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/30802 2026-05-04T15:57:39Z 2025-12-01T00:00:00Z

Title: TECHNOLOGICAL INCUBATION SERVICES AND THE GROWTH TRAJECTORIES OF START-UPS IN MINNA METROPOLIS Authors: Dauda, Abdulwaheed; Adamu, Firdausi; Musa, Oziohu Fatima; Atoyebi, Kabirat Mayowa; Ibrahim, Fatima Maaji; Hamidu, Ramatu Abstract: Abstract In an ideal entrepreneurial ecosystem, start-ups thrive on the structured mentorship, modern infrastructure and tailored business support services, leading to sustained growth and competitiveness. However, in Minna metropolis, the start-up landscape is constrained by weak institutional support, infrastructural deficits and inadequate incubation services, resulting in high mortality rate and stunted growth trajectories. This study, therefore, examined the effect of technological incubation services on the growth of start-ups in Minna metropolis. Anchored on the Resource-Based View (RBV), the study employed a quantitative survey design. The population comprised 210 registered start-ups within incubation centres in Minna, with a sample size of 138 determined using Yamane’s formula. Stratified random sampling was adopted to ensure representation across sectors. Data were collected using validated and reliable structured questionnaire, with Cronbach’s alpha coefficients of 0.78 value exceeding the acceptable threshold of 0.7. descriptive statistics profiled responses, while Pearson correlation and multiple regression analyses tested hypothesized relationships at 0.05 significance level. Results revealed that technological incubation services significantly influence growth trajectories of start-ups, with business support services emerging as the most impactful predictor, followed by mentorship and networking, while infrastructural facilities contributed positively but modestly. The findings affirmed the RBV theory, highlighting incubation services as strategic resources that mitigate start-ups vulnerabilities and enhance survival, revenue growth, job creation, access to finance and market expansion. The study concludes that incubation services are indispensable to accelerating entrepreneurial success in resource-constrained environments like Minna. It recommends that incubation managers institutionalized structured mentorship, policymakers intensify capacity-building initiatives, industry associations strengthen networking platforms, governments improve incubation infrastructure and financial institutions scale tailored business support to collectively drive sustainable start-up growth.

2025-12-01T00:00:00Z Abubakar, Ahmed Musa Mary, Ojigi Atoyebi, Kabirat Mayowa Saidu, Salihu Umar, Ja'afaru http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/30712 2026-04-29T18:27:15Z 2025-01-01T00:00:00Z

Title: Leadership Styles and Employees’ Performance of Deposit Money Banks in Minna Metropolis, Niger State, Nigeria Authors: Abubakar, Ahmed Musa; Mary, Ojigi; Atoyebi, Kabirat Mayowa; Saidu, Salihu; Umar, Ja'afaru Abstract: Abstract The performance of employees in deposit money banks which is essential for facilitating sustainable optimal organizational productivity, largely depends on the quality of leadership to facilitate motivation, innovation, and adaptability in a highly competitive financial environment. This study investigates the effect of three strands of leadership styles, namely transactional, transformational and strategic leadership styles on employee performance of deposit money banks in Minna Metropolis. A structured questionnaire was administered to 208 frontline workers (teller attendants and marketers) of twenty-five branches of deposit money banks in Minna Metropolis. Multiple regression was used to analyze the data using STATA software. The findings revealed that transactional leadership style, transformational leadership as well as strategic leadership style all had a positive and significant effect on employees’ performance of deposit money banks in Minna Metropolis. The study therefore concludes that all the three leadership styles play a critical role in shaping employees’ performance and aligning leadership approach with the dynamics of these leadership dimensions can go a long way in yielding optimal performance outcomes. Accordingly, it is recommended that bank managers should integrate a blend of the various leadership styles for sustainable performance by leveraging on the strengths of motivation and discipline from transactional leadership style, inspiration and innovation from transformational leadership, and foresight and adaptability from strategic leadership style.

2025-01-01T00:00:00Z