Factors Affecting the Adoption of Amole Digital Payment Platform: The Case of Dshen Bank S.C
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Date
2021-06
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Addis Ababa University
Abstract
The objective of this study was to identify factors affecting the adoption of Amole mobile
banking payment from the subscribers point of view. Adoption can be measured using the
following variables: Attitude, perceived ease of use, perceived usefulness, perceived risk, and
reliability. The research was explanatory by nature and it followed a quantitative approach,
thus a deductive research approach was used. Data were collected through a five points Likert
type summated rating scales based questionnaire. Relatively a large sample of three hundred
eighty-four was surveyed. Correlation and regression analysis has been deployed to
determine the strength of association between the dependent and independent variables. Once
the use of these regression and correlation analysis is warranted; that is after the analysis test
is qualified then the coefficient of regression analysis was used to substantiate or disprove the
formulated hypothesis. The study revealed that all variables have a significant effect on the
adoption of the Amole digital platform in the study area. Finally, the research found that
perceived risk is the more significant factor that affects adoption of Amole followed by
attitude, perceived ease of use, perceived usefulness, and reliability
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Keywords
Perceived risk Perceived ease of use, Perceived usefulness, Reliability