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Perceived Usefulness, Ease of Use, Organizational and Bank Support As Determinants of Adoption of Internet Banking in East Africa  [PDF]
Silvance O. Abeka
International Journal of Academic Research in Business and Social Sciences , 2012,
Abstract: The purpose of this paper to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample. Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customer acts as a foundation for building an extension of TAM suitable for corporate customers. The study involved 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures. This included the use of SPSS to carry out regression analysis. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited  [PDF]
Agbemabiese George Cudjoe, Patrick Amfo Anim, Joseph Gerald Nii Tetteh Nyanyofio
Journal of Computer and Communications (JCC) , 2015, DOI: 10.4236/jcc.2015.32001
Abstract: The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.
Adoption of Internet Banking by Iranian Consumers: An Empirical Investigation  [PDF]
Arezou Pour Mirza,Mohammad T. Hamidi Beheshti,Asa Wallstrom,Omid Pour Mirza
Journal of Applied Sciences , 2009,
Abstract: This study was conducted to develop an understanding of Iranian customer’s attitude and adoption of Internet banking services. Through using data from a questionnaire survey; demographic, attitudinal and behavioral characteristics of Internet banking users and non-users of Mellat bank customers from governmental sector are examined. The results revealed significant differences between demographic profiles and attitudes of users and non-users groups. The majority of the customers are very comfortable and willing to use Internet banking services. Branch counter was the most frequently adopted channel. The security concerns, lack of technological knowledge and awareness stand out as being obstacles to the adoption of Internet Banking (IB) services. The present study provides a set of factors that are perceived to have impact on IB adoption, baseline data for further research and an updated account of the Internet banking behaviors of Iranian customers.
Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia  [PDF]
Bruce Mwiya, Felix Chikumbi, Chanda Shikaputo, Edna Kabala, Bernadette Kaulung’ombe, Beenzu Siachinji
American Journal of Industrial and Business Management (AJIBM) , 2017, DOI: 10.4236/ajibm.2017.76053
Abstract: This paper contributes to the electronic banking (e-banking) literature by applying the modified Technology Acceptance Model (TAM) in an under-researched Zambian context. Specifically, it examines the influence of e-banking technology’s perceived usefulness, perceived ease of use and trust (safety and credibility) on e-banking adoption. Based on a quantitative correlational design, primary sample data were collected from 222 bank customers from two of Zambia’s largest cities. The findings indicate that the modified TAM model is applicable in the Zambian context and that perceived usefulness, ease of use and trust each significantly positively influences attitude to e-banking. In turn attitudes to e-banking influence intention and actual adoption of e-banking services. For scholars, practitioners and policy makers, the study shows that improving perceptions of trust (safety, security and credibility), usefulness and ease of use of e-banking systems would result in increased adoption. This paper is the first to extend the modified TAM model into the under-researched developing country context of e-banking in Zambia.
Analysis of Factors Affecting the Adoption of Internet Banking. Case Study:Customers of Mellat Bank in Isfahan City
Saleh SALARI,Moslem SALAJEGHEH
Risk in Contemporary Economy , 2011,
Abstract: The growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of customers in adopting the service. The aim of this study is to analysis the factors affecting the acceptance of Internet banking at Mellat bank branches in Isfahan city. For this purpose we have used the modified model of technology acceptance model (TAM).The findings show that, acceptance of Internet banking mainly affected by trust, perceived ease of use, perceived usefulness, and attitude and tend to use.
Os Bancos Centrais e sua ambivalência público-privada [Central Banks and their public-private nature]  [PDF]
Gentil Corazza
Nova Economia , 2001,
Abstract: The paper analyzes the historic origin of Central Banks, from three basic processes: the evolution and convergence of the free banking system to a hierarchical and centralized system in the Central Bank; the transformation of Clearing Houses in Central Banks, and finally, the processes by which governmental banks were assuming Central Bank s functions and transforming themselves in Central Banks. The assumes the hypothesis by which the Central Banks were not created arbitrarily by Government, but from the evolution of private banking system suffering periodic crises, which needed public intervention. Finally, the paper concludes that this historic origin grounds the ambivalent public-private nature in Central Banks.
Identifying and Prioritizing Effective Factors on Classifying A Private Bank Customers by Delphi Technique and Analytical Hierarchy Process (AHP)  [PDF]
S. Khayatmoghadam,S. Seraj
Journal of Soft Computing and Applications , 2013, DOI: 10.5899/2013/jsca-00013
Abstract: Banking industry development and presence of different financial institutions cause to increase competition in customer and their capitals attraction so that there are about 28 banks and many credit and financial institutions from which 6 banks are public and 22 banks are private. Among them, public banks have a more appropriate situation than private banks with regard to governmental relations and support and due to geographical expansion and longer history. But due to lack of above conditions; private banks try to attract customers with regarding science areas to remedy this situation. Therefore, in this study we are decided to review banking customers from a different viewpoint. For this reason, we initially obtained ideal indications from banking viewpoint in two-story of uses and resources customers using experts and Delphi technique application which based on this, indicators such as account workflow, account average, lack of returned cheque, etc and in uses section, the amount of facility received, the amount of received warranties, etc, were determined. Then, using a Hierarchical Analysis (AHP) method and experts opinions through software Expert Choice11, priority of these criteria were determined and weight of each index was determined. It should be noted that statistical population of bank experts associated with this study were queue and staff. Also obtained results can be used as input for customer grouping in line with CRM techniques implementation.
Corporate Customers Usage of Internet Banking in East Africa
Nelson Jagero,Silvance O. Abeka
International Journal of Computer Science Issues , 2011,
Abstract: The purpose of this paper was to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample. The study involved 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
Factors Influencing the Adoption of Internet Banking in Tunisia  [cached]
Wadie Nasri
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n8p143
Abstract: The purpose of this paper is to determine those factors that influence the adoption of internet banking services in Tunisia. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of internet banking. A total of 253 respondents in Tunisia were sampled for responding: 95 were internet bank users, 158 were internet bank non users. Factor analyses and regression technique are employed to study the relationship. The results of the model tested clearly that use of internet banking in Tunisia is influenced most strongly by convenience, risk, security and prior internet knowledge. Only information on online banking did not affect intention to use internet banking service in Tunisia. The results also propose that demographic factors impact significantly internet banking behaviour, specifically, occupation and instruction. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market.
Determinants of Online Banking Adoption among Ghanaian University Students  [PDF]
Benjamin B. Angenu, Fedelis Quansah, Abednego F. Okoe
Journal of Service Science and Management (JSSM) , 2015, DOI: 10.4236/jssm.2015.82020
Abstract: The objective of this study is to determine bank customers’ awareness of Internet banking and the effect of trust and customer loyalty on Internet banking adoption intentions. The study employed the survey research design. The population of the study consisted of university students in Ghana. The convenience sampling technique was used to select the respondents. Data were analysed using multiple regression. The findings indicate that the respondents are aware of Internet banking. Additionally, the study found awareness, trust and customer loyalty as antecedents of Internet banking adoption. Recommendations have been provided at the end of the study.
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