Zenith Bank Plc is a large financial service provider in Nigeria and Anglophone West Africa. It is licensed as a commercial bank by the Central Bank of Nigeria, the national banking regulator.The Nigerian banking industry of the early 1990s was led by a select group of four major banks: Union Bank, First Bank, UBA , and Afribank. In 1999, Zenith bank embraced the use of the internet for marketing financial services and to promote the use of online banking by consumers and becoming one of the earliest companies to invest in online banking.