Universal banking has been of controversial issue among practitioners and regulation of financial sub-sector of Nigeria economy. 
    However most of these decisions have been flamed by lack of common understanding of what universal banking is and what its implication might be for the country’s financial and economic well being. 
    The research attempt to redress that situation by presenting a well accepted understanding of the system. 
    Secondly, discussing its applicability or lack thereof to Nigeria commercial services and industry and assessing how effective such system could be in Nigeria. 
    Interview was conducted by the researchers to understand the profile of the case study: Afri bank plc. And how the bank practices universal banking. 
    Both primary and secondary data was used to also carryout the research work. 

TABLE OF CONTENT 
Title Page                                 II
Dedication                                 III
Acknowledgement                         IV
Abstract                                 V
Table of content                             VI

CHAPTER ONE: INTRODUCTION     
1.1    Background of the study                     1
1.2    Afribank plc profile and location             3
1.3    Universal banking as practiced by Arfribank.     4
1.4    Statement of the problem                  4
1.5    Purpose of the study                     5
1.6    Research questions                     6
1.7    Significance of study                     7
1.8    Scope and limitation and delimitation             7
1.9    Definition of terms/concept                 8
Reference                            10

 CHAPTER TWO: LITERATURE REVIEW 
2.1    Definition of universal banking                 12
2.2    Before the introduction of universal banking in Afribank. 17
2.3    Origin of universal banking in Afribank         17
2.4    Universal banking concept in Afribank.         20
2.5    Universal banking and supervisory authorities     22
2.6    Argument for and against universal banking         24
2.7    The merits of universal banking             25
Reference                             27

CHAPTER THREE: RESEARCH METHOD AND DESIGN 
3.1    Research method and design                 29
3.2    Sources of data                         29
3.3    Population                             30
3.4    Sampling method                         31
3.5    Method of analysis                     32
Reference                             34

CHAPTER FOUR: DATA PRESENTATION AND METHODOLOGY 
4.1    Testing questionnaire analysis and methodology     35
4.2    Hypothesis testing                         39
Reference                              43

CHAPTER FIVE: FINDINGS, RECOMMENDATIONS AND CONCLUSION 
5.1    Findings                             44
5.2    Recommendations                         45
5.3    Conclusion                             46
Bibliography                         48
Appendix                              50