International Journal of Multidisciplinary Research and Growth Evaluation  |  ISSN (Online): 2582-7138  |  Double-Blind Peer Review  |  Open Access  |  CC BY 4.0

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     2026:7/3

International Journal of Multidisciplinary Research and Growth Evaluation

ISSN (Online): 2582-7138 | Open Access

Developing a Conceptual Framework for Enhancing Interbank Currency Operation Accuracy in Nigeria's Banking Sector

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Volume: 2 | Issue: 1 | Pages: 481-494

Subject: Finance

Country: Nigeria

DOI: https://doi.org/10.54660/IJMRGE.2021.2.1.481-494

License: CC BY 4.0

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Abstract

The banking sector in Nigeria plays a pivotal role in facilitating economic growth, with interbank currency operations being a cornerstone for efficient financial transactions. However, the accuracy of interbank operations has been hampered by systemic inefficiencies, errors in currency reconciliation, and inadequate technological integration, leading to financial losses and customer dissatisfaction. This study seeks to develop a conceptual framework aimed at enhancing the accuracy of interbank currency operations within Nigeria’s banking sector. The proposed framework integrates advanced digital technologies such as blockchain, artificial intelligence (AI), and real-time data analytics to address current challenges. Blockchain technology ensures transparency, immutability, and traceability of transactions, significantly reducing errors and fraud. AI-driven predictive algorithms and machine learning models are employed to enhance currency demand forecasting and fraud detection. Furthermore, real-time data analytics facilitates proactive decision-making, improving currency allocation and reconciliation processes. The framework also emphasizes the importance of institutional capacity building, advocating for training programs to upskill banking personnel in utilizing these advanced technologies effectively. Regulatory compliance and policy alignment are identified as critical enablers, ensuring that the proposed technological interventions align with Central Bank of Nigeria (CBN) regulations and global banking standards. The study employs a mixed-methods approach, including qualitative interviews with banking professionals and quantitative analysis of interbank transaction data, to validate the framework’s effectiveness. Preliminary findings suggest that the integration of blockchain and AI technologies can improve the accuracy of interbank currency operations by over 60%, reducing reconciliation errors and operational inefficiencies. The framework also demonstrates potential for scalability, enabling its adoption across diverse financial institutions within Nigeria. By addressing systemic challenges in interbank operations, this study contributes to the broader goal of enhancing financial stability, fostering customer trust, and driving economic growth in Nigeria. Future research will focus on pilot implementations of the framework and evaluating its impact on operational efficiency.

How to Cite This Article

Mark Osemedua Nwaozomudoh, Princess Eloho Odio, Eseoghene Kokogho, Taiwo Akindele Olorunfemi, Ilerioluwase Emmanuel Adeniji, Adedamola Sobowale (2021). Developing a Conceptual Framework for Enhancing Interbank Currency Operation Accuracy in Nigeria's Banking Sector . International Journal of Multidisciplinary Research and Growth Evaluation (IJMRGE), 2(1), 481-494. DOI: https://doi.org/10.54660/IJMRGE.2021.2.1.481-494

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Journal: International Journal of Multidisciplinary Research and Growth Evaluation (IJMRGE)

Publisher: Anfo Publication House

ISSN: 2582-7138 (Online)

Frequency: Bimonthly

Language: English

Open Access: Yes - This article is distributed under the terms of the Creative Commons Attribution 4.0 International License

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