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MARSHALLS UNIVERSITY COLLEGE ELECTRONIC BANKING AND BANKS PERFORMANCE IN GHANA: THE CASE OF UNIBANK GHANA LIMITED ALHAJI ALIE KAMARA 2017 CHAPTER ONE INTRODUCTION 1.1        Background of the study Historically banks started as money changers banco’ or ‘banca, the Italian word I bank, which refers to the bench used by money changers to display their currencies (Deldred, 2006). In 1894 the first Commercial Bank was opened in Ghana with support from the London- run Africa Banking Corporation (Osakunor, 2009). That was the British Bank of West Africa (BBWA), which later became Standard Chartered Bank Ghana Ltd in 1985. Buckle et al, (1999) noted in their article on the history of banking in Ghana that, shortly after the Bank was established in Accra it was able to acquire the business of maintaining the Government accounts. In addition, it was able to introduce the use of cheques in settl...

Negative Impact of Corruption and Bad Governance on Sierra Leone as at 2013 Corruption is defined as a situation where an individual uses his/her position for personal gains. It can also be defined as a dishonest exploitation of power for personal gain. The various forms of corruption include but not limited to the following: bribery, extortion, cronyism, nepotism, theft and embezzlement, misuse of state fund etc. Corruption occurs in both private and public institutions in Sierra Leone. Corruption in Sierra Leone has reached an unprecedented proportions and costs billions of Leones to the country thus, affecting a significant portion of our national budget. Almost 20 years after the civil war, the country continues to face challenges of weak governance, wide spread poverty and systematic corruption. Sierra Leone ranked the most corrupt country in 2013 The current administration’s performance in tackling corruption since 2012 compared to the efforts of other coun...