CREDIT MANAGEMENT STRATEGIES AND PROFITABILITY OF DEPOSIT MONEY BANKS IN NIGERIA (A CASE STUDY OF WEMA BANK PLC)

ABSTRACT This study sought to determine the extent to which application of 21st century digitalization techniques will enhance effective service delivery in Akwa Ibom state public service. In order to carry out this study objectively, three specific objectives and three research questions were postulated to guide the study. A descriptive survey design was adopted for the study. The population of this study comprised all the 158 level 14-17 public servant. Simple random and proportionate sampling techniques were used in selecting a sample of 81 level 14-17 public servant for this study. A questionnaire with 21 structured items designed by the researchers were used for data collection for this study. The questionnaire was face-validated by the supervisors. Mean and standard deviation statistics was used in answering the research questions. The findings of the study reveal that the application of 21st century digitalization techniques will enhance effective service delivery in Akwa Ibom state public service. Based on the findings, it is concluded that employees have to obtain necessary soft skills on how to use 21st century digitalization techniques for effective delivery. It is recommended, among other things, that Government should focus on developing digital and data-related skills in the public sector, creating profiles and career paths based on forecasted needs, and providing programme for training and retraining of civil servants.