http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/3686 2026-07-31T11:22:35Z http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/31756 Title: Development of AI-Powered Chatbot for Financial Inclusion of Underserved Population in Northern Nigeria Authors: Ochepa, Fati Oiza; Ochepa, Abdulhafeez Abubakar; Muniru, Suleiman Abstract: Financial inclusion is the availability and accessibility of financial services and products to individuals and businesses, regardless of their income level or location. Financial inclusion has remained a major challenge in Northern Nigeria, where a significant percentage of he population is either unbanked or under-banked as a result of the limited access to financial services, low level of financial literacy, and socio-cultural bottlenecks. To address this, the study developed an AI-powered chatbot, Naija BankPal, which is designed to bridge the financial inclusion gap among the underserved population in Northern Nigeria by providing access to financial orientation in English, Hausa, and Pidgin languages. Leveraging Natural Language Processing (NLP) chnologies, Naija BankPal provides a user-friendly, interactive platform that provides financial guidance on banking services, types of accounts, savings, and investment opportunities. The chatbot adopts a dual deployment strategy, using both online platforms (through WhatsApp and Telegram) and offline services (via USSD-based services), effectively addressing the limitations of internet accessibility and digital literacy. This study suggests the need for effective support frameworks that will ensure the integration of AI-driven solutions into national financial inclusion strategies, with emphasis on digital literacy promotion, building trust, and investing in infrastructure. This paper recommends the fostering of partnership among relevant stakeholders, while continuous improvement and regular evaluations of the chatbot’s performance should be ensured to achieve a sustained impact. 2025-01-01T00:00:00Z http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/31755 Title: Moderating Effect of Entrepreneurial Motivation on Entrepreneurial Intention Behaviour Gap among Fresh Graduates in Nigeria: A Proposed Model Authors: Ochepa, Abdulhafeez Abubakar Abstract: The current economic realities of countries around the world enduring economic hardship, high unemployment and poverty, have made entrepreneurial development widely acknowledged and highly emphasized globally, with particular emphasis on developing Countries like Nigeria. However, it is very worrisome that despite the level of entrepreneurial education and intention among young graduates in Nigeria, the level of entrepreneurial behaviour, like venture creation, is still low, as majority of graduates still end-up looking for white collar jobs after graduating. This study therefore, adopt a critical review of relevant literatures, to assess the moderating effect of entrepreneurial motivation on the entrepreneurial intention-behaviour gap among fresh graduates in Nigeria. Moreover, the study proposed to advance the dimensions of Ajzen’s theory of planned behaviour, being a popular theory used in entrepreneurial intention research. Literature revealed that Attitude, Subjective Norms, Perceived Behavioural Control, and Entrepreneurship Education, are major determinants of entrepreneurial intention which precedes entrepreneurial behaviour. Though, there seems to be a missing link between entrepreneurial intention and behavour among fresh graduates in Nigeria, entrepreneurial motivation should moderate the relationship. This study, however, recommends that empirical research be conducted to validate the predictive model developed in the study 2025-01-01T00:00:00Z http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/31754 Title: Scalable API-Based Infrastructure for Inter-Wallet Digital Transactions Authors: Ochepa, Fati Oiza; Rufai, Malik Adeiza; Ochepa, Abdulhafeez Abubakar; Ndahi, Barka Piyinkir Abstract: The accelerated growth of carrying out financial transactions digitally has given rise to the increasing reliance on electronic wallets (ewallets) as a means of conducting cashless payments. Interoperability between such e wallets has, however, remained a major challenge, hindering the conduct of seamless transactions across payment platforms. This study therefore proposes an Application Programming Interface (API) infrastructure to enable users to transfer funds across multiple closed and semi-closed e-wallet systems. The methodology deployed to achieve this goal involves the development of a (Representational State Transfer) REST-based API services deployed on a cloud-based infrastructure, enhancing secure, efficient, and scalable inter-wallet fund transfers. The adopted performance metrics include a measure of concurrent API requests recorded between 50 and 500 Requests per Second (RPS), average API response time between 200ms to 500ms and database transactions between 500 to 1000 Transactions per Second (TPS). The result of this system suggests an improved transaction speed, usability, and security. The findings contribute towards continuous research efforts to improve interoperability among digital transactions targeted at a holistic financial inclusivity. 2025-06-17T00:00:00Z http://irepo.futminna.edu.ng:8080/jspui/handle/123456789/31753 Title: Examining the Effect of Organisational Capability on Social Entrepreneurship and Sustainable Community Development in South Western Nigeria Authors: Ochepa, Abdulhafeez Abubakar; Jimoh, Abdulmalik; Aliu, Mukhtar Mayowa; Halidu, Shaibu; Ayorinde, Afisat Abolore Abstract: This study investigates the mediating effect of organisational capability on social entrepreneurship and sustainable community development in South Western Nigeria. The study employed quantitative approach using survey research method with a structured questionnaire and proportional stratified random sampling techniques to gather response from 507 regular household population comprising of individuals, Community Development Associations (CDAs) leaders and beneficiaries of social enterprise in South Western Nigeria. Partial Least Square of Structural Equation Modelling (PLS-SEM) was used for data analysis. The study revealed that commercial activities and social change intention does not have significant direct effects on sustainable community development. Conversely, inclusive governance and organisational capability have significant direct effect on sustainable community development. Organizational capability mediate the relationship from social change intention, commercial activities and inclusive governance to sustainable community development in South Western Nigeria. Thus, the study conclude that this findings provide an empirical backing for the mediating role of organizational capability in the model of the study. The implication of the findings illuminated that in an increasingly deprived environment where social problems are in persistent increase, addressing social issues requires organisational capability. The study recommend that social entrepreneurs should develop appropriate capacity to strengthen their organisational capabilities before embarking on social mission and change making activities in their communities. 2026-04-15T00:00:00Z