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Mobile and Internet Banking Adoption: Evidence from Nigeria
(2021) Alabi, Abdulraouv Olawale; Saygılı, Ebru
Since the introduction of mobile and internet banking technology into banking activities in Nigeria, there has been a manifestation of a large number of clients who are eager to use the mobile and internet banking system. Unfortunately, there is significant evidence that the system has not attracted a sufficient number of subscribers across the country. The purpose of this research is to investigate the factors driving mobile and internet banking adoption in Nigeria. The research model extends the technology acceptance model (TAM) by further examining the impact of awareness, culture, social norms, perceived trust, perceived security, and perceived risk on behavioral intention. The research is conducted among 350 respondents from Nigeria's densely populated areas of Kano, Lagos and Aba. The pilot test was conducted using R software program, while the main work was carried out by using the structural equation modeling. The findings reveal that perceived risk, perceived security together with perceived trust all have a positive and highly significant impact on customer's behavioral intention to use mobile and internet banking, thus established the effect of risk, security, and Trust on behavioral intention of mobile/Internet banking adoption. Keywords: mobile and internet banking adoption, technology acceptance model, perceived trust, structural equation modeling