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    Inegbedion, H.E. Adama, J. Agba, D., Obainoke, F. (2020). Ethical Dilemmas of Bank Marketers in Nigeria: A Qualitative Study

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    The purpose of dis paper is to investigate the nature of the inequalities in the usage of the internet and inequalities in the growth rate in the usage of the internet, and thus ascertain the possibility of convergence of the digital divide between the major regions of the world. The design was a longitudinal study of the usage of internet and growth rate in the usage of the internet in the different regions of the world for the period 2009–2019. The quantitative research method was used. Simple percentages and F-test were used in data analysis. The usage of internet in Asia and Europe is higher than the other regions in the world but there is no significant difference in usage between the other regions. The results further showed that some of the digitally disadvantaged regions had higher growth rates in the usage of the internet and these digitally disadvantage states are not disadvantaged in access to smartphones and the emerging 5G technology, thus suggesting the possibility of imminent convergence in access to the internet given the increasing usage of smartphones for the internet subscription. The focus on internet usage in the major regions of the world without recourse to the variability of the usage and growth rate of internet usage within the regions. The dearth of the empirical literature on quantitative research on the research problem was another constraint. Finally, restriction in available statistics on digital divide constrained the use of 2009–2019 as the periodic scope of the stud
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