Mesfin Fikre (PhD)Matewos Wondimkun2025-04-242025-04-242024-06-04https://etd.aau.edu.et/handle/123456789/5351The study aimed to examine the factors influencing the adoption of mobile money services, specifically CBE Birr, in Kirkos District. Utilizing a non-probability convenience sampling technique, branches within the district were selected for examination. Both primary and secondary data sources were used for data collection. Primary data were gathered through a structured questionnaire survey distributed to 385 estimated sample respondents, resulting in 365 responses. Additionally, a purposive sampling strategy ensured the suitable selection of respondents. Data analysis was conducted using SPSS V.26. Secondary sources included books, customer suggestion notes, CBE procedures and guidelines, published and unpublished research, journals, and various internet sources. The findings indicate that 62.8% of the variance in CBE Birr adoption in Kirkos District is influenced by five key independent variables: perceived usefulness, perceived cost, perceived ease of use, perceived trust, and reliable network, with the remaining 37.2% variation attributed to other factors. Based on these findings, the study recommends that CBE Birr service providers focus on these five critical variables to enhance adoption rates. Strengthening perceived usefulness, reducing perceived costs, improving ease of use, fostering trust, and ensuring a reliable network are crucial strategies for increasing the adoption of CBE Birr services among consumers in Kirkos District and similar contexts.enThesis