Factors Affecting The Adoption Of Ethiopay National Payment System In Ethiopian Banking Industry
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Date
2018-06-14
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Addis Ababa University
Abstract
Purpose: The purpose of this study is to examine the factors affecting adoption of Inter- Bank electronic payment branded as EthioPay in Ethiopian banking industry.
Design/methodology/approach: This study inspects factors affecting adoption inter- Bank e-payment by taking a respondents from the population of Bank card holder customers of the five selected banks in Addis Ababa. To obtain representative samples, in selecting the research respondents, convenient method was applied, this sampling method helps for a population from which sample has been constitute a homogeneous group, therefore the study takes 384 respondents as target respondents from these customers .A quantitative method with deductive approach was chosen in this research. The SPSS version 22.00 for windows was used to process the primary data collected through questionnaire. This paper observes the relationship between attitude, perceived ease of use, perceived usefulness, perceived risk, reliability and benefit to the inter-bank e-payment intention, EthioPay of bank card customers.
Findings: Multiple regression analysis was employed to test the hypotheses. The main findings of the study are: attitude, perceived ease of use, perceived usefulness and reliability has a positive and significant impact on the adoption of EthioPay payment system. Whereas reliability and perceived risk has negative impact. Attitude has a strong influence on customer’s intention to use Inter-bank electronic payment.
Practical Implications: This study is important to academicians, buyers and sellers who involved in e-payment as it demonstrates attitude, perceived ease of use, perceived usefulness, perceived risk, reliability and benefit are among the six critical factors in affecting the inter-bank e-payment, EthioPay adoption
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Keywords
attitude, perceived ease of use, perceived usefulness