Mobile Money Services (CBE-Birr) Services Adoption in Commercial Bank of Ethiopia
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Date
2024-11-27
Authors
Petros Mulualem
Journal Title
Journal ISSN
Volume Title
Publisher
AAU
Abstract
This study is aimed to examine Mobile money service (CBE Birr) services adoption in
commercial Bank of Ethiopia. The study used the technology acceptance model to analyze or to
scrutinize the factors that affect the adoption of mobile money services or CBE-Birr services in
commercial bank of Ethiopia.as the result of the study key factors influencing the adoption are
perceived usefulness’, perceived risk ,perceived ease of use perceived self-efficacy ,perceived
reliable mobile network ,perceived risk and perceived cost To achieve the main objective of the
study the researcher developed conceptual frame work model to deal the relationship of the
variable. The study used quantitative approach with explanatory designing method .The study
was conducted on customer of CBE-Birr user in commercial bank of Ethiopia through cross
sectional survey .out of 237 questioners’ that have been distributed 203 were used in the analysis
of the study. The study found that perceived usefulness, perceived ease of use had positively
significant relation with the adoption of mobile money or CBE Birr services. Whereas perceived
trust, perceived reliable mobile network, and perceived self –efficacy had positive relation with
the adoption of mobile money services or CBE Birr services. Perceived cost had insignificant
effect or had no relation with the adoption of mobile money services based on the study.
Perceived risk had negatively affected the adoption of mobile money services or had negative
effect on the adoption of mobile money services based on the study. The researcher recommends
that the services should be provided in different local languages because of most Ethiopian
people cannot read and understand the foreign language and the design of the services also
should be user-friendly or easy to use