Examining the Determinants of eBanking Adoption: Evidence from Nigeria

Daha Tijjani Abdurrahaman (), Maimuna Saad Sharubutu (), Tasiu Tijjani Sabiu (), Sa'adatu Balarabe Adam (), Mohammed Gaddafi Ibrahim () and Ama Aka Udu ()
Additional contact information
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

Technium Social Sciences Journal, 2021, vol. 22, issue 1, 463-482

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.

Keywords: eBanking adoption; Nigeria; Rural Area; Trust; Quality of Internet; Perceive Ease of Use (search for similar items in EconPapers)
Date: 2021
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
https://techniumscience.com/index.php/socialsciences/article/view/4018/1509 (application/pdf)
https://techniumscience.com/index.php/socialsciences/article/view/4018 (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:tec:journl:v:22:y:2021:i:1:p:463-482

Access Statistics for this article

Technium Social Sciences Journal is currently edited by Tasente Tanase

More articles in Technium Social Sciences Journal from Technium Science
Bibliographic data for series maintained by Tasente Tanase ( this e-mail address is bad, please contact ).