I am a Lecturer in Accounting department University of Ilesa, Nigeria I hold Ph.D in Management Science from Ladoke Akintola University of Technology, Nigeria, M.Sc in Banking and Finance from University of Ibadan, Nigeria, MBA and B.Sc from Ekiti State University, Nigeria. A Facilitator and Examiner in National Open University of Nigeria (NOUN). I am an associate member of Chartered Institute of Bankers of Nigeria (ACIB). I have publications in local and International Journals.