Accessibility of Electronic Banking Services and Facilities Among Persons with Disabilities in Federal College of Education (Special), Oyo

Abstract

This descriptive study examined access to electronic banking among 100 students with disabilities at the Federal College of Education (Special), Oyo, using a validated questionnaire (α = 0.78). Respondents included students with hearing (56%), physical (24%), visual (10%), and health impairments (10%). Results showed that ATMs were the most used e-banking facility (71%), followed by internet banking (16%) and POS (13%). Overall satisfaction because e-banking was rated incompatible with users’ needs (Mean = 2.28), lifestyles (Mean = 2.35), and inclusion (Mean = 2.44), although ease of use was rated positively (Mean = 2.83). Convenience findings were mixed: e-banking offered comfort (Mean = 2.52) and online/offline availability (Mean = 2.67), but disagreed on inclusivity and accessibility of locations (Mean = 2.44–2.48). Features related to disability-friendliness, training, and usability were poorly rated (Mean= 2.12–2.39). While some accessibility was acknowledged, such as transacting anywhere (Mean = 2.63) and resolving issues (Mean = 2.89), reliance on physical bank branches remained (Mean = 2.49). The study concluded that e-banking is only partially accessible and recommended disability-friendly features like braille interfaces, voice-to-text applications, and targeted user training.