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Financial innovation is viewed as the act of creating and popularizing new financial instruments, technologies, institutions and markets, which facilitate access to information, trading and means of payment. The paper became necessary as a result of the increased alternative payment systems which has redefined the banking operations in Nigeria and world over. We observed the twenty one (21) Deposit Money Banks licensed by the Central Bank of Nigeria as at 2016 but utilized Sixteen (16) of themdoi:10.30543/7-1(2018)-24 fatcat:dtucvdk2rfb6nnkfblytwi56ha