An Assessment Of Mobile Banking Adoption In Case Of Commercial Bank Of Ethiopia North Addis Ababa District

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Addis Ababa University


The objective of this study is to assess the factor that determine of mobile banking adoption on commercial bank of Ethiopia North Addis Ababa District. The study tries to build on two widely used models for technology adoption, the extended Technology Acceptance Model and Diffusion Innovation Theory. By combines the two widely used models, factors that determines mobile banking adoption for this study are perceived usefulness, perceive ease of use, perceived credibility, Compatibility, Perceived self-efficacy, and perceived cost. Survey was conducted using questionnaire. Out of 395 questionnaires that have been distributed, 372 were usable. Collected data was analysed using Statistical Package for Social Science. Convenience sampling method were used to select samples from Arat kilo, Silassie, Arada Giorigis branches. Both descriptive and correlational research design were used. The research result shows perceived usefulness, perceived ease to use, and compatibility have significant positive correlation with adoption factors. Perceived cost has significant negative correlation with adoption factors. Perceived self- efficacy and perceived creditability have moderate and insignificant positive correlation with adoption factors respectively. Finally, the study recommend to Commercial Bank of Ethiopia to continuously innovate and offer better mobile banking service features, highly secured and reliable applications to enhance users’ confidence and create deep awareness to community concerning the mobile banking products they offer and the benefits associated with using mobile banking services.



Mobile Banking Adoption, Extended Technology Acceptance Model, Diffusion Innovation Theory