Over the years, researchers have argued that user friendly and result oriented systems were not necessarily products of participatory user involvement; however there is a degree of user involvement required in the development process of any Information System. The aim of this research is to discover the level of user involvement in in-house software development process in All Nigerian Bank (ANB). We use two research methods - survey and process observation. A survey was conducted for 107 end users and 10 developers (programmers) of 5 selected in-house developed software solutions; we complement our survey with an active observation of a typical software development process. Relative to the five in-house software solutions studied in our reseach; our study reveals that user involvement in the development process on the whole for these five solutions has been 8% participative, 18% representative, 33% consultative and 41% informative. 67% of end user respondents agreed that these specific in-house developed solutions are user friendly while 62% said solutions meet business needs. This result is a clustered representation of the 5 cases as a way of exploring the “normal in-house development process” in ANB We conclude that the level of user involvement relative to business needs and user friendliness is a reflection of a number of factors which include ANB’s business strategy, organizational culture and politics; other factors include weak Nigerian labour laws, low ethical standards and high unemployment rate. / Contact Mobile PhoneNo : +2348067982450