I was born on 28th May, 1952. I obtained a B.Sc. Hons Degree from Olabisi Onabanjo University, Ago Iwoye in 2001. I also obtained a M.Sc. degree from the University of Benin in 2005. I worked with the United Bank for Africa Plc from 1980 to 2005 and retired voluntarily in 2005 after 25 years of service. I am presently a Lecturer II at Samuel Adegboyega University and undertaking a PhD programme in Banking and Fkinance at Igbinedion University Okada. I have presented the first seminar paper titled Financial Appraisal of Online Banking on Deposit Money Banks in Nigeria.