DETERMINANTS OF CUSTOMER ADOPTION OF VIRTUAL BANKS (e.g., Kuda, Moniepoint) IN NIGERIA: OPPORTUNITIES AND CHALLENGES CHAPTER ONE INTRODUCTION 1.1 Background to the Study   The Nigerian banking sector has experienced significant transformation in recent years, primarily driven by advancements in financial technology (fintech) and the emergence of digital-only banking institutions (Ken Research, 2025). Virtual banks, also […]