apex bank, in its guidelines to charges by Banks, Other Financial Institutions (OFIs) and Non-Bank Financial Institutions, issued a downward review of charges for electronic banking transactions. In its amended guidelines to charges by banks, other financial institutions (OFIs), and non-bank financial institutions, the Central Bank of Nigeria (CBN) has downward reviewed charges for electronic banking transactions. This is according to the circular by Chibuzor Efobi, the Director, Financial Policy and Regulation Department, titled “RE: GUIDE TO CHARGES BY BANKS, OTHER FINANCIAL AND NON-BANK FIN…