Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia

Mwiya, Bruce; Chikumbi, Felix; Shikaputo, Chanda; Kabala, Edna; Kaulung’ombe, Bernadette; Siachinji, Beenzu

doi:10.4236/ajibm.2017.76053

Cited by 26 publications

(23 citation statements)

References 32 publications

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“…In the hypothesis (H5) it can be concluded that intention tends to mediate the relationship between behavioral variables on the implementation of usage behavior, thus making intention a variable that can predict future actions. The results of this study are in line with previous studies (Yu, 2012); (Farah et al, 2018); (Mwiya et al, 2017); (Kwateng et al, 2019); (Prabawalingga & Yadnyana, 2016).…”

Section: Discussionsupporting

confidence: 93%

Behavior Analysis of Using Fintech Peer-to-Peer (P2P) Lending Applications in DKI Jakarta with Intention of Using It as an Intervening Variable

Januar¹,

Mirza²

2021

theijbm

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is a service that exists because of the rapid development of technology. According to OJK (2017), the existence of fintech has the aim of being a solution for people who are reluctant to use conventional financial institutions due to complicated and time-consuming procedures. Among the many types of fintech, peer-to-peer lending is here as a solution to bring together lenders and loan recipients through an electronic system using the internet network. Based on the accumulated distribution of the loan amount in the January to March period in 2020, in which the Java region, especially in DKI Jakarta, experienced a high growth of 15%. Meanwhile, based on the accumulated number of borrower accounts, the Java region also experienced an increase in growth, including in DKI Jakarta by 16%. This means that the high demand of the people of DKI Jakarta for online lending (online credit), so that the fintech business, especially in the peer-to-peer lending section, is experiencing rapid development even though the fintech business is still new in the financial industry in Indonesia.Based on data from the OJK (2020), there are 161 fintech peer-to-peer lending companies in Indonesia that have been registered with the OJK. However, there are 151 companies domiciled in DKI Jakarta. This means that there is high competition for peer-to-peer lending fintech companies in DKI Jakarta, especially in the field of online lenders. So, it is interesting to study more deeply about the behavior of users of fintech peer-to-peer lending services in the form of online loans in DKI Jakarta, considering that not many researchers have conducted research on the behavior of online loan users. In determining the general description, the researcher conducted a pre-survey on 30 respondents / potential users of fintech peer-to-peer lending products in the form of online loan services in DKI Jakarta. Based on the results of the presurvey, it is known that the four main factors that make respondents / candidates use peer-to-peer lending fintech services are perceived usefulness, perceived ease of use, perceived trust, and perceived value. This is because of the 20 factors that determine individuals using peer-to-peer lending fintech services, these four factors have the most frequency of answering Yes. So that these four factors need to be studied more deeply which influence the behavior of using fintech peer-to-peer lending services in DKI Jakarta.In this study, the authors tested the technology acceptance model (TAM) theory, namely perceived usefulness and perceived ease of use, where these two factors have been widely used by previous research to predict acceptance of use in an ICT application, as well as adding the perceived trust and perceived value variables, where many previous studies used perceived trust and perceived value as an important factor to predict an intention to use ICT applications.

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Section: Discussionsupporting

confidence: 93%

Behavior Analysis of Using Fintech Peer-to-Peer (P2P) Lending Applications in DKI Jakarta with Intention of Using It as an Intervening Variable

Januar¹,

Mirza²

2021

theijbm

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“…Perceived transaction security The development of digital technologies in the banking field implies the implementation of mechanisms focused on security (Mwiya et al, 2017). As the level of control of the technology does not belong to the user, the person relies on the measures provided to him, such as authentication, passwords, and confidentiality clauses (Zimmermann & Gerber, 2020).…”

Section: Technological Features Trust and Use Of E-banking Servicesmentioning

confidence: 99%

Use of E-Banking and Customer E-Engagement in Developing Countries: Case of NFC Bank Cameroon

Kamdjoug¹,

Teutio²,

Tchouanga³

et al. 2022

TEL

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Technology-based banking has become essential in developing countries. In these countries, the financial inclusion of populations and the development of banks' portfolios depend intensely on valuable services like E-banking. This study aims to investigate the influence of some technological features of electronic financial services (Perceived personal information protection, Perceived transaction security) and service factors (Perceived time saving, Service quality, and Perceived cost-saving) on Trust and Use of e-banking. It also studies the impact of Use of E-banking on E-engagement through Usage continuance and Customer satisfaction. We use partial least squares structural equation modeling (PLS-SEM) to test a research model with a sample of 346 customers of NFC Bank in Cameroon. The study reveals that Perceived personal information protection and the service factors (Perceived time saving, Service quality, and Perceived cost-saving) influence Trust. However, Trust in E-banking does not necessarily lead to its use. On the other hand, Use of E-banking influenced by both technological features of electronic financial services (Perceived personal information protection, Perceived transaction security) and service factors (Perceived time saving, Service quality, and Perceived cost saving). The study brings managerial implications for the development of E-banking offers in developing countries.

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“…This study is empirical study conducted for investigating bankers' prospective or views on e-banking and they found that bankers' are convinced that e-banking helps to improve the relationship between banker and costumer. Bruce Mwiya et al (2017) examined the influence of e-banking technology's perceived usefulness, perceived ease of use and trust (safety and credibility) on e-banking adoption. Mahesh Kumar and Sanjay Gupta (2020) investigated ebanking users' perception with regard to online risk for public, private and foreign banks in India.…”

Section: Review Of Literature: A) Perceptions About E-bankingmentioning

confidence: 99%

Growth and Factors Affecting the Uses of e-banking Services in India

Biradar¹

2021

JUSST

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The banking sectors and bankers have started using advanced technology to deliver banking services. In the e-banking, banks are using modern technology for banking activities and operations to provide good quality of services to their customers. This study is based on primary as well as secondary data. A five-point likert scale was used as a quantitative measure to understand consumer’s perception and factor affecting uses of e-banking services. The study found that, the uses of e-banking services like mobile banking, credit card facility and internet banking services are becoming popular in recent period and the comfortable level is higher with the ATM and debit card facility whereas customers are not comfortable while using internet banking services. The major reasons for less use of e-banking services are connectivity problem, less number of ATMs and ignorance of staff members. So, there is a need to increase infrastructure facilities and financial institutions should take initiatives for staff training and awareness related activities to increase uses of e-banking services.

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Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia

Cited by 26 publications

References 32 publications

Behavior Analysis of Using Fintech Peer-to-Peer (P2P) Lending Applications in DKI Jakarta with Intention of Using It as an Intervening Variable

Behavior Analysis of Using Fintech Peer-to-Peer (P2P) Lending Applications in DKI Jakarta with Intention of Using It as an Intervening Variable

Use of E-Banking and Customer E-Engagement in Developing Countries: Case of NFC Bank Cameroon

Growth and Factors Affecting the Uses of e-banking Services in India

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