Browsing by Author "Achenyo, Attah Philomina"

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    CUSTOMERS' PERCEPTION OF E-BANKING SECURITY AND THEIR USE OF E-BANKING SERVICES: A STUDY OF MEMBERS OF STAFF FROM SELECTED UNIVERSITIES IN NASARAWA STATE, NIGERIA
    (Department of Sociology, Nasarawa State University Keffi, 2019-07-07) Achenyo, Attah Philomina; Ukawuilulu, John Obioma; Onu, Francis O.; Udo, Chikezie Osisiogu
    Tins paper attempts to examine the customers' perception of e-banking security and their willingness to use e-banking services. The objective of this paper is to determine the socio-demographic characteristics of customers that influence customers' perception of the security of e-banking services using the following characteristics: Educational Qualification, Age, Sex and Income level. Survey Research design zvas employed in collecting data from Members of staff from Nasarawa State University, Keffi and Bingham University, Karu. Stratified sampling technique was used to select sample subjects from the study area and Purposive sampling technique was used to select the two universities. The method of data collection employed zvas questionnaire method. The Theory of Reasoned Action zvas adopted in this research. The socio-demographic characteristics of respondents and some other selected variables were described using simple percentages and frequency distribution tables. For the purpose of multivariate analyses, selected variables were analysed using multiple regression method and Pearson coefficient and these were used in the process of hypothesis validation. The study revealed that a majority of respondents believe that e-banking is highly risky and that they did not completely trust in the safety of utilizing e-banking channels however it was observed that they zoere still willing to use e-banking channels because of the convenience and time-saving advantages that they offer. Among the four socio-demographic characteristics of respondents subjected to Pearson correlation coefficient test in this study, sex zvas found to have the strongest'impact on their perception of e-banking securihf. The study recommends that banks should restrategise on ways to market e-banking services rather than impose the decision to utilize these services on customers. Banks should also set up feedback mechanisms in order to receive information about the security challenges faced by customers when they use e-banking channels and security policies should be developed based on the feedback received from customers.