THE IMPACT OF CASH-LESS POLICY ON COST OF OPERATIONS OF BANKS BY ABAH RUTH UJ/2010/SS/0272 BEING A RESEACH PROJECT SUBMITTED TO THE DEPARTMENT OF ACCOUNTING, UNIVERSITY OF JOS FOR THE AWARD OF A BACHELOR OF SCIENCE DEGREE (B.SC.) IN ACCOUNTING. FEBUARY, 2015 CERTIFICATION I ABAH RUTH have completed the project for the award of Bachelor of Science (B.Sc) Accounting, in the Department of Accounting, Faculty of Management Sciences, and University of Jos. I hereby ...