Measurement of productivity and technological progress / learning in the service industry: An empirical study of the Nigerian financial industry

论文的最后一个主题是“尼日利亚的技术学习和金融直觉学习曲线分析”。本文系统地研究了三个关键问题，并提出了相应的政策建议。本文的主要研究成果如下：1.一个衡量金融机构学习曲线的框架，并使用日本和尼日利亚银行系统的数据进行了测试。研究结果将发表在《金融创新》（SpringerOne）杂志上，题目是“信用学习和价值创造对日本商业银行效率的影响”。论文还研究了技术学习在尼日利亚金融系统的特点，四个主要的电子支付系统的扩散，使用创新/技术扩散模型。研究结果还将发表在Tailor &弗朗西斯出版社的“技术分析和战略管理”杂志上，题目是：分析和预测电子支付系统在埃塞俄比亚的推广。最后，通过实地调查抽取了尼日利亚不同阶层的用户作为样本，分析了电子银行对尼日利亚社会经济的影响。这项工作的结果已发表在“国际社会经济学杂志”，翡翠洞察力，与他们：在尼日利亚的电子银行的决定因素，收益和挑战。

The final theme of my dissertation is entitled "Analysis of Technological Learning and the Learning Curve of Financial Intuitions in Nigeria". This dissertation systematically addressed three key problems and provided appropriate policy recommendation. Among other things, the followings are the major outcomes of the dissertation.1. A framework for measuring the learning curve of financial institution was developed and tested using data from Japanese and Nigeria banking system. The result of this exercise is scheduled for publication in the journal of "Financial Innovation" (SpringerOne) with the theme: The impact of learning by credit and value creation on the efficiency of Japanese commercial banks.2. The dissertation also studied technological learning in the Nigeria financial systems by characterizing the diffusion of four major electronic payment systems using innovation/ technology diffusion models. The result is also scheduled to be published in "Technology Analysis and Strategic Management" Routledge, Tailor & Francis, under the theme: Analyzing and Forecasting the diffusion of electronic payment systems in Nigeria.3. Finally, the dissertation analyzed the socio-economic impact of electronic banking on a large sample of users from different strata of the Nigeria population (drawn through field survey). The result of this exercise has been published in "International Journal of Social Economics", Emerald Insight, with the them: On the determinants, gains and challenges of electronic banking in Nigeria.