Abstract

Abstract: This study examines the impact of digital payment technologies on selected Nigerian banks, including Zenith Bank, Access Bank, GT Bank, and First Bank. Using a structured questionnaire and a sample of 200 respondents from Gwagwalada, FCT-Abuja, the research found that digital payment systems enhance transaction speed, lower operational costs, and improve banking efficiency. These technologies also promote financial inclusion by expanding access to banking services, particularly for the unbanked. However, their effect on overall customer satisfaction remains moderate. The study recommends further investment in advanced digital payment systems, regular system upgrades, and improved accessibility through user-friendly interfaces, financial literacy initiatives, and tailored credit solutions.