Challenges and Prospects of E-banking System for Persons with Visual Impairment in Oyo State, Nigeria

Abstract

This study investigated the challenges and prospects of e-banking systems for persons with visual impairment in Oyo State, Nigeria. The study aimed to identify the types of e-banking services commonly used, assess challenges faced, evaluate platform accessibility and user-friendliness, examine coping strategies, and explore strategies for enhancing inclusivity. The literature was reviewed conceptually, theoretically, and empirically. The study was anchored in the Social Model of Disability, which emphasises that societal and technological barriers restrict participation, and the Technology Acceptance Model, which explains how perceived usefulness and ease of use affect technology adoption. Empirical studies highlighted gaps in e-banking accessibility globally and within Nigeria. A descriptive survey design was employed, with 185 visually impaired respondents selected through purposive and snowball sampling. Data were collected using a structured questionnaire administered in accessible formats. Validity was ensured through expert review, and reliability was confirmed via a pilot study yielding a Cronbach’s alpha of 0.87. Data were analysed using frequencies, means, standard deviations, and percentages. Findings revealed that ATM, POS, mobile, and USSD banking services were most commonly used, while internet and voice-enabled services were less accessible. Major challenges included poor network connectivity, lack of audio guidance, difficulty using ATMs independently, and limited compatibility with assistive technologies. Users adopted coping strategies such as seeking assistance, preferring simpler platforms, and relying on bank staff. Respondents recommended strategies including accessible ATMs, assistive technology integration, training programmes, and supportive government policies to enhance financial inclusion. The study concluded that while e-banking offers potential for improving financial access for visually impaired persons, significant barriers remain. Inclusive system design, user training, and supportive policies are essential for enhancing accessibility and independence.