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The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria

This study had been carried out to investigate factors that influence the intention to accept internet banking and examined the mediating role of trust between technology factors and the intention to accept an internet banking. This study reviewed related technology acceptance theories and trust...

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Main Author: Oluyinka, Solomon Ayodele
Format: Thesis
Language:English
English
English
Published: 2016
Subjects:
HG Finance
Online Access:http://eprints.uthm.edu.my/372/1/24p%20SOLOMON%20AYODELE%20OLUYINKA.pdf
http://eprints.uthm.edu.my/372/2/SOLOMON%20AYODELE%20OLUYINKA%20COPYRIGHT%20DECLARATION.pdf
http://eprints.uthm.edu.my/372/3/SOLOMON%20AYODELE%20OLUYINKA%20WATERMARK.pdf
http://eprints.uthm.edu.my/372/
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spelling my.uthm.eprints.3722021-07-25T01:10:35Z http://eprints.uthm.edu.my/372/ The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria Oluyinka, Solomon Ayodele HG Finance This study had been carried out to investigate factors that influence the intention to accept internet banking and examined the mediating role of trust between technology factors and the intention to accept an internet banking. This study reviewed related technology acceptance theories and trust models. The decomposed theory of planned behaviour, innovation diffusion theory and trustworthiness technology were adopted. The aforementioned adopted models suggested five main factors namely; perceived behaviour control, attitude, subjective norm, trust and intention to accept internet banking. This was a quantitative research method. Questionnaire was adopted to 559 bank customers within Lagos, Port-harcourt and Abuja in Nigeria. The response rate is 55.85%, representing 391 worth questionnaires. SPSS and AMOS version 20 tools were utilized to analyze the data in reference to descriptive statistics, standardized regression and mediation effects. The initial model without mediation analyzes revealed 71% variance (R2) in customer intent to accept internet banking. However, when modified with trust mediating factors, the results revealed 74% variance, implying that trust contributed a 3% to the model. Consequently serves as a partial mediator towards the intention to accept internet banking in Nigeria. As a result, thorough understanding of this may assist practitioners in analyzing reason(s) for slow pace in acceptance of the technology, provide efficient measures to improving customers’ acceptance and provide an insight for academia about internet usage in Nigeria. Future studies can be directed towards replicating the use of this model in other locations and different analytical techniques. 2016-08 Thesis NonPeerReviewed text en http://eprints.uthm.edu.my/372/1/24p%20SOLOMON%20AYODELE%20OLUYINKA.pdf text en http://eprints.uthm.edu.my/372/2/SOLOMON%20AYODELE%20OLUYINKA%20COPYRIGHT%20DECLARATION.pdf text en http://eprints.uthm.edu.my/372/3/SOLOMON%20AYODELE%20OLUYINKA%20WATERMARK.pdf Oluyinka, Solomon Ayodele (2016) The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria. Doctoral thesis, Universiti Tun Hussein Onn Malaysia.
institution Universiti Tun Hussein Onn Malaysia
building UTHM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Tun Hussein Onn Malaysia
content_source UTHM Institutional Repository
url_provider http://eprints.uthm.edu.my/
language English
English
English
topic HG Finance
spellingShingle HG Finance
Oluyinka, Solomon Ayodele
The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
description This study had been carried out to investigate factors that influence the intention to accept internet banking and examined the mediating role of trust between technology factors and the intention to accept an internet banking. This study reviewed related technology acceptance theories and trust models. The decomposed theory of planned behaviour, innovation diffusion theory and trustworthiness technology were adopted. The aforementioned adopted models suggested five main factors namely; perceived behaviour control, attitude, subjective norm, trust and intention to accept internet banking. This was a quantitative research method. Questionnaire was adopted to 559 bank customers within Lagos, Port-harcourt and Abuja in Nigeria. The response rate is 55.85%, representing 391 worth questionnaires. SPSS and AMOS version 20 tools were utilized to analyze the data in reference to descriptive statistics, standardized regression and mediation effects. The initial model without mediation analyzes revealed 71% variance (R2) in customer intent to accept internet banking. However, when modified with trust mediating factors, the results revealed 74% variance, implying that trust contributed a 3% to the model. Consequently serves as a partial mediator towards the intention to accept internet banking in Nigeria. As a result, thorough understanding of this may assist practitioners in analyzing reason(s) for slow pace in acceptance of the technology, provide efficient measures to improving customers’ acceptance and provide an insight for academia about internet usage in Nigeria. Future studies can be directed towards replicating the use of this model in other locations and different analytical techniques.
format Thesis
author Oluyinka, Solomon Ayodele
author_facet Oluyinka, Solomon Ayodele
author_sort Oluyinka, Solomon Ayodele
title The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
title_short The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
title_full The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
title_fullStr The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
title_full_unstemmed The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
title_sort role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in nigeria
publishDate 2016
url http://eprints.uthm.edu.my/372/1/24p%20SOLOMON%20AYODELE%20OLUYINKA.pdf
http://eprints.uthm.edu.my/372/2/SOLOMON%20AYODELE%20OLUYINKA%20COPYRIGHT%20DECLARATION.pdf
http://eprints.uthm.edu.my/372/3/SOLOMON%20AYODELE%20OLUYINKA%20WATERMARK.pdf
http://eprints.uthm.edu.my/372/
_version_ 1738580728133713920
score 13.211869

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