The study looked at how banks merging together in Nigeria affected the country's economy from 1970 to 2017. They used a statistical method called Ordinary Least Square (OLS) to analyze the data. The results showed that when banks merged, it helped the economy by increasing the amount of money they lent out and boosting economic growth. The economy did better after the banks merged compared to before. The researchers suggest that merging banks should happen regularly to keep the economy strong.