Mobile Banking Adoption in Ethiopia: A Case of Commercial Bank of Ethiopia
No Thumbnail Available
Date
2017-06
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Addis Ababa University
Abstract
The purpose of this study is to investigate the Perceived Determinants of Mobile Banking adoption
in Ethiopia: A Case of Commercial Bank of Ethiopia. The study tries to combines two widely used
models for technology adoption, the extended TAM model along with Relative advantage to
investigate factors influencing mobile banking adoption in commercial bank of Ethiopia. As a
result for this study the factors influencing mobile banking adoption are perceived usefulness;
perceive ease of use, perceived credibility, Perceived self-efficacy, perceived risk, perceived cost
and relative advantage
This study was conducted based on the data gathered from customers of Commercial Bank of
Ethiopia and the Survey was conducted using questionnaire. Out of 400 questionnaires that have
been distributed, 369 were usable. The research results found perceived usefulness, perceived
ease of use , perceived self-efficacy, relative advantage and perceived risk as major influencing
factors for mobile banking adoption whereas the study found perceived credibility and perceived
cost were found to have insignificant effect on mobile banking usage for bank customers located
in Ethiopia. The study recommended banks to emphasize in designing user friendly system, to
project higher security when providing mobile banking services and let its customers know how
the security issue is reveled in order to yield higher customers’ acceptance
Description
Keywords
Commercial bank of ethiopia