Information Technology
Business and Management Review Vol. 2(1) pp. 01 – 06 March, 2012 Available online at http://www.businessjournalz.org/bmr
ISSN: 2047 - 0398
An Exploratory Study on Adoption of Electronic Banking: Underlying Consumer Behaviour and Critical Success Factors. Case of Nigeria.
Alhaji Abubakar Aliyu Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: gp1100472@siswa.uthm.edu.my Sayf M.D Younus Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: sayf2007@yahoo.com Rosmaini Bin HJ Tasmin (PhD) Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: rosmaini@uthm.edu.my 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
ISSN: 2047 - 0398
An Exploratory Study on Adoption of Electronic Banking: Underlying Consumer Behaviour and Critical Success Factors. Case of Nigeria.
Alhaji Abubakar Aliyu Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: gp1100472@siswa.uthm.edu.my Sayf M.D Younus Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: sayf2007@yahoo.com Rosmaini Bin HJ Tasmin (PhD) Department of Technology Management, Faculty of Technology Management, Business and Entrepreneurships, Universiti Tun Hussein Onn Malaysia, 86400, Parit Raja, Batu Pahat, Darul Ta’zim, Johor, Malaysia E-mail: rosmaini@uthm.edu.my 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