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Examining the Determinants of eBanking Adoption: Evidence from Nigeria

Author

Listed:
  • Daha Tijjani Abdurrahaman

    (Department of Business Administration, Faculty of Management Sciences, National Open University of Nigeria,)

  • Maimuna Saad Sharubutu

    (Post Graduate Centre, Limkokwing University of Creative Technology, Cyberjaya, Malaysia)

  • Tasiu Tijjani Sabiu

    (Yusuf Maitama Sule University, Kano State, Nigeria)

  • Sa'adatu Balarabe Adam

    (Department of Financial Studies, Faculty of Management Sciences, National Open University of Nigeria)

  • Mohammed Gaddafi Ibrahim

    (Department of Entrepreneurship, Faculty of Management Sciences, National Open University of Nigeria)

  • Ama Aka Udu

    (Department of Business Administration, Faculty of Management Sciences, National Open University of Nigeria)

Abstract

The trend of transacting in raw cash is giving way to electronic payment systems as a digital lifestyle is increasingly acceptable worldwide. In Nigeria, several empirical studies have investigated the determinants of Electronic Banking on urban bank customers. However, no study, to the best knowledge of the researcher captures the rural bank customers. This study fills this gap by examining the determinants of eBanking adoption in a rural area of Kano State, Nigeria. A survey design was employed and the data were collected through an electronic questionnaire distributed to a sample of 198 target respondents. Partial Least Structural equation modelling was employed in analyzing the hypothesized relationship based on a modified Technology Acceptance Model that introduces  Trust and Quality of Internet Connection as suggested by extant literature. The study found that Perceived Usefulness was the construct that overwhelmingly influences Rural Bank Customers to adopt eBanking. It was further revealed that the Quality of Internet Connection is vital to Rural Bank Customers. In addition, the study highlights the importance of performance matrix analysis indicating the constructs that are performing well and those that need attention.

Suggested Citation

  • Daha Tijjani Abdurrahaman & Maimuna Saad Sharubutu & Tasiu Tijjani Sabiu & Sa'adatu Balarabe Adam & Mohammed Gaddafi Ibrahim & Ama Aka Udu, 2021. "Examining the Determinants of eBanking Adoption: Evidence from Nigeria," Technium Social Sciences Journal, Technium Science, vol. 22(1), pages 463-482, August.
    • Handle: RePEc:tec:journl:v:22:y:2021:i:1:p:463-482
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    References listed on IDEAS

    as
    1. Akeem Soladoye Bakare & Acheampong Owusu & Daha Tijjani Abdurrahaman, 2017. "The behavior response of the Nigerian youths toward mobile advertising: An examination of the influence of values, attitudes and culture," Cogent Business & Management, Taylor & Francis Journals, vol. 4(1), pages 1353231-135, January.
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    3. Acheampong Owusu & Ivy Hawah Taana & Akeem Soladoye Bakare & Daha Tijjani Abdurrahaman & Frederick Edem Broni Jnr, 2020. "Investigating the nexus between Mobile Apps Adoption and Privacy Concerns among Users:," Technium Social Sciences Journal, Technium Science, vol. 10(1), pages 167-188, August.
    4. Divya Gupta & Usha Kamilla, 2014. "Cyber Banking in India: A Cross-Sectional Analysis Using Structural Equation Model," The IUP Journal of Bank Management, IUP Publications, vol. 0(2), pages 47-63, May.
    5. Kieran Mathieson, 1991. "Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior," Information Systems Research, INFORMS, vol. 2(3), pages 173-191, September.
    6. Seif Obeid Al-Shbiel & Muhannad Akram Ahmad, 2016. "A Theoretical Discussion of Electronic Banking in Jordan by Integrating Technology Acceptance Model and Theory of Planned Behavior," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 6(3), pages 272-284, July.
    7. Sujeet Kumar Sharma & Srikrishna Madhumohan Govindaluri & Shahid M. Al Balushi, 2015. "Predicting determinants of Internet banking adoption," Management Research Review, Emerald Group Publishing Limited, vol. 38(7), pages 750-766, July.
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    Cited by:

    1. Lutete C. Ayikwa & Johan W. De Jager & Elizma M. Wannenburg, 2022. "Analyzing Demographic Clusters Behavior and Perceptions towards eBanking in Emerging Free-Market Economies South Africa and Ukraine," Eurasian Journal of Business and Management, Eurasian Publications, vol. 10(3), pages 190-201.

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    More about this item

    Keywords

    eBanking adoption; Nigeria; Rural Area; Trust; Quality of Internet; Perceive Ease of Use;
    All these keywords.

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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