Predictors and inhibitors of mobile banking adoption in Nigeria

Precious Chikezie Ezeh, Ali Isah and Rufai Mohammed Abdulrahman

International Journal of Business Forecasting and Marketing Intelligence, 2025, vol. 10, issue 3, 303-317

Abstract: The adoption of mobile banking in Nigeria is still very low despite Nigerian Government bent on introducing cashless policy. Thus, the aim of this paper is to investigate the predictors and inhibitors of mobile banking adoption in northwest Nigeria. Data for this paper were collected from 400 respondents in northwestern Nigeria. The relationship between constructs was examined using AMOS-structural equation model. The reliability and validity of the instrument were examined using Cronbach's alpha, composite reliability and average variance extracted. The findings revealed that only self-efficacy influence the adoption of mobile banking. This study extends TAM and also introduces gender as a moderator. It was found that self-efficacy and perceived ease of use influence the adoption of mobile banking among male, while all the factors tested have no significant influence among female. The study has exposed the reasons for the low adoption of mobile banking among Nigerians.

Keywords: mobile banking; perceived usefulness; perceived ease of use; PEOU; perceived self-efficacy; amount of information; Nigeria; technology acceptance model; TAM; gender. (search for similar items in EconPapers)
Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
http://www.inderscience.com/link.php?id=147068 (text/html)
Access to full text is restricted to subscribers.

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:ids:ijbfmi:v:10:y:2025:i:3:p:303-317

Access Statistics for this article

More articles in International Journal of Business Forecasting and Marketing Intelligence from Inderscience Enterprises Ltd
Bibliographic data for series maintained by Sarah Parker ().