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Article History

Accepted: 13 February 2023

First Online: 22 February 2023

Declarations

:

: In accordance with the ethical standards as laid down in the 1964 Declaration of Helsinki and its later amendments or comparable ethical standards, an approval of this study and the data collection instrument was obtained from the ethical committee of the Department of Business Administration, Bayero University, Kano. In addition, the management of the Money Deposit Banks under focus were informed of the nature of the study and were made to grant their approval before the administration of questionnaire.

: Before making tthem to participate in the study, an informed consent was acquired from all the employees in the study and it was brought to their awareness that they are free to withdraw from the study at any time as it may be deemed fit, and that there would be no financial or any other form of compensation for participation.

: The author(s) declared no potential conflicts of interest with respect to the research, authorship, and/or publication of this article.