International records / OpenAlex research

Credit Card Usage and Financial Performance of Deposit Money Banks in Nigeria

This study investigates the effect of credit card usage on the financial performance of deposit money banks in Nigeria, with a focus on analyzing the relationship between key credit card metrics and Return on Assets (ROA) as a measure of bank profitability. The study employs a quantitative research design, specifically an ex post facto design, which analyzes secondary data from 2006 to 2025. The main independent variables considered in the study include Credit Card Transaction Volume (CCTVL), Credit Card Transaction Value (CCTV), Number of Active Credit Cards (NACC), Credit Card Outstanding Ba…