The research work deals comprehensively with the topic “The impact of E-payment system in operation efficiency in Nigerian Bank. This study is being carried out to investigate the impact of E-payment system in Nigeria in the banking institution taken United Bank Africa (UBA) as a case study. Exploratory research design has been used for research work in order to gain insight into a situation that is not very clear and that has not attracted serious investigation. Chapter one emphasis on the objective to look at the place of bank with in the economy the importance of automation in providing efficient banking services, to assist the various types of technologies that are in use by various banks. The reason for introducing electronic banking system is to develop from meeting few individuals wants and becoming the very life blood of commerce and industry in any organized economy system through the limit time given to me able to examined how effective the electronic system has been able to raise the level of profitability, data collection was used through primary and secondary data, the hypothesis tested shows that (Hi) alternative hypothesis is highly accepted in conclusion the impact of E-payment system in Nigeria, thus will contribute to improve the operation of banks and its will reduce the time been used by the customer in bank sector. It is recommended that there should be adequate training of staff to improve skills and the banks staff should be friendless and ready to assist customer as need arises.