Abstract

E‑Commerce is a global trend and can be a viable source of economic reform in a nation. Nigeria, a third world country is leaving no stone unturned to make life easier and more comfortable in this electronic age. Though developed countries are on the verge of conducting e‑commerce securely and comfortably, Nigeria is absorbing techniques involved either by espionage, knowledge transfer or other means. Hence, the need for ensuring effectiveness, awareness among inhabitants, and security of resources involved must be taken into account. This paper highlights different levels of e‑commerce participation among banks, service providers and the public in Nigeria. A business‑inclined metropolitan suburb of Lagos was used as a case study to evaluate citizenry involvement and opinions. Recommendations on the most suitable payment method (s) for citizenry was made based on their opinions.