Factors Affecting Customer’s Adoption of Internet Banking: In Case of Commercial Bank of Ethiopia
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Date
2017-05-22
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Abstract
This study investigates the factors that affect customer adoption of internet banking on
Commercial Bank of Ethiopia Addis Ababa city branches. The variables were chosen based on
findings from the previous literatures. A mixed research approach and explanatory design were
adopted in carrying out this research. Secondary time series data were collected from E-payment
department reports and performance reports of the bank. In addition, use internal portal’s and
links. Multiple linear regression equation was used to estimate the model using SPSS version 20
software. The results obtained from regression output indicated that among the studied
variables, Perceived usefulness, ease of use, prior internet knowledge, intention to use and
convenience were found to be statistically significant determinant of adoption of internet
banking. On the other hand, perceived risks were statistically insignificant in affecting adoption
of internet banking. The study suggests that focusing on these internet banking variables could
further reduce the probability of default while customer adoption of internet banking
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Keywords
Commercial Bank of Ethiopia, Perceived usefulness, ease of use