International Journal of Academic Accounting, Finance & Management Research (IJAAFMR)   Year: 2022 | Volume: 6 | Issue: 5 | Page No.: 91-100 Innovative Banking Models and Banks Fragility in Post Covid-19 Era in Nigeria Download PDF Victor Chukwunweike EHIEDU, A. C. ONUORAH, CHIGBO, Nkeiruka Chinyere Abstract: The study examined the relationship between innovative banking models and banks fragility in post covid-19 era in Nigeria. To achieved this objective, the innovative banking models was proxied with Automatic Teller Machine Transactions (ATMTs), Internet Transactions (ITs), Point of Sale Terminals (POS) and Mobile Transactions (MTs) in relation to banks fragility proxied with Non-Performing Loans Ratio (NPLR) in Nigeria. The method of data collection used in this study is the secondary source of data (time series data), from the CBN Bank Supervisory Annual Report, CBN Statistical Bulletin and Nigeria Deposit Insurance Corporation (NDIC) Annual Reports for the period 2000-2020. Secondary source of data is use in this study because it deals with the measures of innovative banking models [Automatic Teller Machine Transactions (ATMTs), Internet Transactions (ITs), Point of Sale Terminals (POS) and Mobile Transactions (MTs)] on Non-Performing Loans Ratio (NPLR) proxy for bank fragility for Nigerian Deposit Money Banks in post Covid-19 era of events that has already taken place and recorded from their secondary sourced from the CBN bank supervisory annual report and NDIC annual reports. The time series data will be subjected to a unit root test to determine whether or not they are stationary. After that, descriptive statistics and correlation analysis were used to assess the nature of the link between the independent; Automatic Teller Machine Transactions (ATMTs), Internet Transactions (ITs), Point of Sale Terminals (POS) and Mobile Transactions (MTs) and the dependent (Return on Asset (ROA)) variables. The computer statistical software E-VIEWs 9.0 was used to do multiple regression analysis through the regression model. This is the proper procedure for analyzing data in relation to the study in issue. The findings revealed that Automatic Teller Machine Transactions (ATMTs), Internet Transactions (ITs), Point of Sale Terminals (POS) and Mobile Transactions (MTs) has insignificant effect on Non-Performing Loans Ratio (NPLR). Thus, concluded that innovative banking models do not have significant effect on banks fragility in post covid-19 era in Nigeria. Based on the findings, thereby recommends that the management of the banks should put modalities in place in order for them to used innovative banking models as a strategic tool in reducing bank fragility in Nigeria.