An Investigation of the Effects of Customer's Educational Attainment on their Adoption of E-banking in Nigeria

Abstract

The study aimed at investigating the effects of customers’ educational attainment on their adoption of e-banking in Nigeria and adopted the extension of technology adoption model (TAM) by adding customers’ educational attainment to it. The researcher used primary data collected through administered structured questionnaire. The researcher employed the SPSS (16.0) for descriptive statistical analysis and the Structural Equation Model (SEM) as statistical test tool using AMOS (16.0). By extending the TAM, the study concluded that customers’ educational attainment directly influence customers’ perceived usefulness and perceived ease of use and through these indirectly influence the level of adoption of e-banking by customers. The results of this study provides solid ground for developing appropriate marketing strategies to encourage the adoption of e-banking by the Nigerian banking customers. The study recommended that banks use different customers’ educational attainment levels as e-banking product designing tool, thus making adoption easier and faster; and Government should make efforts to improve the level of literacy, especially computer literacy among citizens. This will make it easier for customers to operate, interact and access e-banking platforms in Nigeria.

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