Al-Hikmah University Journal

The study focused on influence of e-banking services on small scale businesses in Bauchi State, Nigeria. The study has two objectives, two research question. Descriptive survey research design was used for the study. The population of the study was 5574 management Staff of registered small-scale businesses in Bauchi State Nigeria. The sample for the study was 500. The instrument for data collection was structured questionnaire of 20 items. The content and face validity of the instrument w determined by three (3) experts. A pilot test was conducted in Gombe State, with 20 selected management staff of registered business. The obtained reliability coefficient was .897.  The data were collected by the researcher with the help of six research assistants covering the 3 senatorial zones in the State. Data collected was analyzed using mean, standard deviation to answer the research questions while the null hypotheses were tested using Simple Linear Regression (SLR). The Statistics Package of Social Science (SPSS), 23 was employed to run the SLR at 0.05 level of significant. The findings of the study revealed that E-Banking Services on Small-Scale Businesses has a significant influence on purchase activities, sales activities, e-banking fraud, financial management and online theft activities. Conclusively, the study further recommended that all Small-Scale Businesses in Bauchi state should employ e-banking services their day-to-day business transactions.