Muhammad, A., N. M. Gatawa, and H. S. B. Kebbi. “IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON BANK PERFORMANCE: A STUDY OF SELECTED COMMERCIAL BANKS IN NIGERIA (2001 – 2011)”. European Scientific Journal, ESJ, Vol. 9, no. 7, Mar. 2013, doi:10.19044/esj.2013.v9n7p%p.