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Determinants of continuance usage of e-banking in Nigeria

Electronic banking aims to provide a more efficient and effective means of delivery of banking services to bank customers through the adoption, implementation and continued usage of the information system and information technologies in the banking sector. These will foster cross boundary financial...

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Main Author: Alaba, Ogedengbe Fowokemi
Format: Thesis
Language:English
English
Published: 2017
Subjects:
T58.5-58.64 Information technology
HG Finance
Online Access:http://etd.uum.edu.my/8176/
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spelling my.uum.etd.81762021-04-22T02:43:18Z http://etd.uum.edu.my/8176/ Determinants of continuance usage of e-banking in Nigeria Alaba, Ogedengbe Fowokemi T58.5-58.64 Information technology HG Finance Electronic banking aims to provide a more efficient and effective means of delivery of banking services to bank customers through the adoption, implementation and continued usage of the information system and information technologies in the banking sector. These will foster cross boundary financial transaction, and improve cross national trade; and as banks are pace setters for technology and growth in a developing economy they are core to the fulfillment of the Nigerian government‟s goal of the successful implementation of the cashless policy which was introduced by the Central Bank of Nigeria. Despite the benefits of the usage of the e-banking system, the percent of Nigerian bank users using the electronic platform is low as less than half of the population have access to the Internet. There are also other factors that determine its continued usage in Nigeria. The study, hence, explored the determinants of the continued usage of e-banking in Nigeria, using the Expectation Confirmation model. The survey for this study was carried out using questionnaires, and the Nigerian students in Universiti Utara Malaysia (UUM) were the respondents. Data were analyzed using IBM SPSS 24. Three factors; expected service quality, perceived security and perceived privacy were used to determine the expectations of users‟ priorities to e-banking usage. Their confirmation shows that their expectations of e-banking regarding service quality and perceived security were not confirmed after its usage. Only the expectation regarding perceived privacy was confirmed. The study further shows that there is a significant relationship between confirmation and satisfaction. Also, there is a significant relationship between satisfaction and continued usage intention, as dissatisfied customers tend to discontinue the use of e-banking. The study concludes that for the successful implementation of the cashless policy in Nigeria, there is a need for the continuance usage of e-banking. 2017 Thesis NonPeerReviewed text en /8176/1/s820209_01.pdf text en /8176/2/s820209_02.pdf Alaba, Ogedengbe Fowokemi (2017) Determinants of continuance usage of e-banking in Nigeria. Masters thesis, Universiti Utara Malaysia.
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Electronic Theses
url_provider http://etd.uum.edu.my/
language English
English
topic T58.5-58.64 Information technology
HG Finance
spellingShingle T58.5-58.64 Information technology
HG Finance
Alaba, Ogedengbe Fowokemi
Determinants of continuance usage of e-banking in Nigeria
description Electronic banking aims to provide a more efficient and effective means of delivery of banking services to bank customers through the adoption, implementation and continued usage of the information system and information technologies in the banking sector. These will foster cross boundary financial transaction, and improve cross national trade; and as banks are pace setters for technology and growth in a developing economy they are core to the fulfillment of the Nigerian government‟s goal of the successful implementation of the cashless policy which was introduced by the Central Bank of Nigeria. Despite the benefits of the usage of the e-banking system, the percent of Nigerian bank users using the electronic platform is low as less than half of the population have access to the Internet. There are also other factors that determine its continued usage in Nigeria. The study, hence, explored the determinants of the continued usage of e-banking in Nigeria, using the Expectation Confirmation model. The survey for this study was carried out using questionnaires, and the Nigerian students in Universiti Utara Malaysia (UUM) were the respondents. Data were analyzed using IBM SPSS 24. Three factors; expected service quality, perceived security and perceived privacy were used to determine the expectations of users‟ priorities to e-banking usage. Their confirmation shows that their expectations of e-banking regarding service quality and perceived security were not confirmed after its usage. Only the expectation regarding perceived privacy was confirmed. The study further shows that there is a significant relationship between confirmation and satisfaction. Also, there is a significant relationship between satisfaction and continued usage intention, as dissatisfied customers tend to discontinue the use of e-banking. The study concludes that for the successful implementation of the cashless policy in Nigeria, there is a need for the continuance usage of e-banking.
format Thesis
author Alaba, Ogedengbe Fowokemi
author_facet Alaba, Ogedengbe Fowokemi
author_sort Alaba, Ogedengbe Fowokemi
title Determinants of continuance usage of e-banking in Nigeria
title_short Determinants of continuance usage of e-banking in Nigeria
title_full Determinants of continuance usage of e-banking in Nigeria
title_fullStr Determinants of continuance usage of e-banking in Nigeria
title_full_unstemmed Determinants of continuance usage of e-banking in Nigeria
title_sort determinants of continuance usage of e-banking in nigeria
publishDate 2017
url http://etd.uum.edu.my/8176/
_version_ 1698699523676700672
score 13.211869

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