An Exploratory Study on Adoption of Electronic Banking: Underlying Consumer Behaviour and Critical Success Factors. Case of Nigeria

Alhaji Abubakar Aliyu · Rosmaini Bin

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

This paper investigates the factors that influence the consumer adoption of Electronic banking in Nigeria and found that there is a need to conduct research on Electronic banking adoption behaviour. The empirical data were collected from a questionnaire survey of 125 from Bayero University Kano (BUK), in northern Nigeria. This study examines the relationship between Electronic banking adoption and the determining factors for critical success of Electronic Banking in Nigeria. Hence, the results show’s that the relevant factors determined the adoption of Electronic banking in Nigeria include the level of its six factors, namely awareness, ease of use, security, cost, reluctance to change and accessibility. The results of this study show that four factors examined are significantly important to the adoption of Internet banking in Nigeria. However, perceive ease of use and reluctant to change are found to be insignificant in determining its adoption. This study provides insightful understanding of academic staff and non academic staff perception about Electronic banking adoption in their banking transactions. Banks and other private sector in Nigeria that are interested in

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References

1999Adoption of Internet banking by Australian consumers: an empirical investigation 1988Impact of Sales Promotions on When, What, and How Much to Buy 1999Provision of electronic banking in the UK and the Republic of Ireland 1997Motivations for and barriers to Internet usage: results of a national public opinion survey 2010An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria 1999Distribution channel strategies in Danish retail banking 1987When consumers switch brands 2008An Alternative Approach in Service Quality: An e-Banking Case Study

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