Factors Influencing Mobile Banking Adoption In Ethiopia: A Perspective On Commercial Banks Customers In Addis Ababa

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Addis Ababa University


Most Commercial banks in Ethiopia have implemented Mobile banking technology However; there is a challenge that their effort may not bring much result as it was anticipated. Due to the fact that the number of mobile banking users are still lagged behind. This study therefore focused on examining factors affecting the adoption of mobile banking technology in Addis Ababa. The study was tuned to five constructs, such that, perceived usefulness, perceived ease of use , perceived trust, perceived risk and awareness in determining their effect on intention to adopt mobile banking. A cross-sectional survey design was employed. From which a convenient sample of 384 customers were selected for the study. Data was analyzed using SPSS regression analysis. This study revealed that Perceived Ease of use, Awareness, Trust had a positive impact on mobile banking adoption while perceived risk was found to have a negative impact. Whereas, Perceived Usefulness found no effect on the intention to adopt mobile banking



Commercial banks, Perceived Usefulness, Trust