Browsing by Author "Matiyas Worku"

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    Factors Affecting Adoption of Mobile Banking: A Case Study on The Commercial Bank of Ethiopia
    (A.A.U, 2026-02-01) Matiyas Worku; Yared Asrat; Tilahum
    This study was conducted to understand and analyze the foctors influencing the adoption of M banking with CBE as the case study and in the context of Addis Ababa, at selected branches of the bank. It was conducted by employing the Technology-Organization-Environment (TOE) framework, which mainly focus on examining determinants of M-banking adoption at firm level. A total of 139 valid responses were collected out of 155 questionnaires distributed to the randomly selected digital banking staffs of CBE at selected branches of Addis Ababa. The questionnaire’s reliability was confirmed with a Cronbach’s Alpha value of 0.90. This study adopted quantitative research approach and it is based on closed end questionnaires with 5-point Likert-scale. Multi stage sampling was employed to select respondents for this study. The collected data from respondents was analyzed using SPSS software version 23. A descriptive and regression analysis method was employed to analyze the collected data. In addition, interview was conducted on key informants to reinforce the quantitative findings. A secondary data was reviewed from several publications to support the findings of this study. The result of the regression analysis shows that the most significant influence on M-banking adoption arises from the technological factors of the TOE framework. But organizational and environmental factors were found to have no statistical significance in the multiple regression, this is likely due to the shared variance which is observed in the correlation analysis among the independent variables. Overall, the regression model was able to explain 30.6% of the variance in m-banking adoption were organizational and environmental factors were found to be statistically insignificant likely due to the shared influence and suppression effects among the explanatory variables. The interview responses from key informants indicates that external barriers such as unstable national internet connectivity, internal challenges like frequent service interruptions, customers' need for physical receipts, and strong concerns about fraud and social-engineering were the main challenges that hindered the adoption of M-banking adoption at CBE. Keywords: M-banking, adoption, TOE, CBE, technology, organization, environment