Browsing by Author "Dzidonu, Clement K."
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Item Open Access Assessment of E-banking Adoption Constructs: The case of the Nigerian Banking Sector(Department of Computer Science, Nasarawa State University Keffi, 2017-05-09) Aimufua, Gilbert Imuetinyan Osaze; Dzidonu, Clement K.The paper presents a pilot study analysis of preliminary tests to determine the items which measure the e-banking adoption constructs within the conceptual framework.The Conceptual framework was developed based on literature reviews that describe the adoption of Technology (electronic banking) in a culture sensitive environment. Ten main constructs were identified as factors that contribute to the adoption of e-banking in cultural sensitive environment. 7-Likert scale self-administered questions were designed to measure the various constructs that had been identified. The need to prove the items as measurement metrics for each construct is imperative. A survey technique of data gathering was employed and banks’ customers filled the questionnaire using the survey instrument. The customers were able to express their opinions and views concerning their perceptions and decision making toward e-banking adoption. One hundred and twenty (120) respondents from two (2) geographic zones (North Central and South-South zones of Nigeria) participated in this pilot study. The data was analyzed using SPSS 21 – reliability to measure the various items of the conceptual framework. The internal reliability test with Cronbach’s alpha was conducted to identify the items that would or would not contribute to the measurement of each construct. Confirmatory factor analysis was conducted to ascertain the structure of the proposed conceptual framework.The major findings obtained were the items that measured the constructsItem Open Access Barriers to Electronic Banking Adoption in Developing Countries: The Nigerian Situation(Department of Computer Science, Nasarawa State University Keffi, 2017-05-05) Aimufua, Gilbert Imuetinyan Osaze; Dzidonu, Clement K.The paper proposed to advance the understanding of various barriers to adoption of electronic banking products and services in developing countries and also to explore and describe the barriers to technological innovation adoption. Technological adoption has been on the increase in recent years as various governments have posited numerous approaches toward an environment void of cash. These approaches have yielded some positive results in the developed countries while still at its infancy in the developing countries. Governments in most developing countries are promoting the adoption of e-banking products and services, however, the environment is fraught with infrastructural deficits. What are these factors that inhibit the adoption of e-banking system? What are the barriers to electronic banking that inhibit customers’ adoption of their products and services? This study seeks to address these barriers. An exploration of documented articles on technology adoption were undertaken in addition to a review of literature on electronic banking, electronic commerce and related articles to extract the identified barriers and inhibiting factors toward adoption of technology. Whilst minor interview of few individuals were conducted to ascertain their fears in the usage of e- banking products, the main data sources are from published articles, conferences and online search with intent to explore and describe findings on factors that inhibit e-banking adoption. The key barrier to the adoption of e- banking products and services stem from the individual e-readiness. Also, the media reports of e-mail scam, identity theft, phishing and pharming have been identified as strong reasons for customers’ reluctance in adopting the various e-banking products. This included the inherent high service charges and costs in Nigeria for instance, which economy is presently transforming especially the banking sector. The inhibiting factors identified in the Nigerian context include security, trust, privacy, socio-cultural issues, inadequate infrastructure, illiteracy and lack of adequate legal frameworkItem Open Access The Role of Culture and Trust in Electronic Banking Adoption: A review(Department of Computer Science, Nasarawa State University Keffi, 2016-08-08) Aimufua, Gilbert Imuetinyan Osaze; Dzidonu, Clement K.The reviewed paper offer insights into three critical factors namely: trust, privacy and security that could influence customer’s behavior towards acceptance of e-banking in developing countries within the framework of specific cultural settings. Banks have invested heavily in hardware, software and communications infrastructures with the intent that customers would easily accept, adapt and adopt their electronic banking services. Further, banks increasingly engineer various strategies to win the customer’s acceptance and adoption of the e-banking services. In spite of the measure of benefits that e-banking provides to customers and banks, acceptance and adoption in developed countries have been used to their advantage but the same cannot be said of developing countries who are lagging. The banks’ managers expect that the customers would easily adopt and adapt to the e-banking scheme which is fraught with distrust, insecurity and privacy invasion. However, these approaches have not yielded the expected results as long as the adoption of e-banking is still lagging amongst the banks’ customers most especially in the developing nations. The literature on e-banking and the extent to which the issue of trust, privacy and security could influence consumers’ behavior have not been extensively reviewed. This paper examines a suitable framework for carrying out this review and uses it to document the state of art on the subject matter. Numerous works have researched into various determinants that would enable customers to accept and adopt new technology. With reference to these studies, the review offer insights into the relevant variables which may affect individual’s trust in electronic banking in developing countries within defined cultural settings. The paper provides a robust framework for reviewing various studies in the area of e-banking with the context of how key factors influence the customers’ acceptance of this technological offerings, This framework is demonstrated to document the state of the art on the subject matter.Item Open Access Towards a General Framework for Analyzing Technology Acceptance – Adoption Factors(Department of Computer Science, Nasarawa State University Keffi, 2016-08-09) Aimufua, Gilbert Imuetinyan Osaze; Dzidonu, Clement K.The paper proposed to advance the understanding of technology adoption and to identify the factors that influence/inhibit adoption of technology among individuals. A number of technology acceptance, adoption and diffusion models have emerged with most of them focusing on the intent to accept/reject new technology. The intention to accept has not shown that the technology would be adopted. A significant number of studies have shown that there are intentions for the products and services to be accepted. However, such findings turn out to be insignificant due to lack of adoption. Intention may yield to adoption in some cases. Surprisingly, acceptance has been found not to imply adoption of technology, from the individual’s perspective. This study is to advance the understanding of technology adoption and identify the factors that inhibit/influence its adoption among individuals. This is basically the state of the art review paper that reviewed a number of relevant literatures on technology acceptance/adoption. The framework adopted for the review focuses on key literature pertaining to individual acceptance, adoption and diffusion of technology. Additionally, various types of models and theories including theory of reasoned action and technology acceptance model, used for individual’s acceptance or adoption of technology were reviewed for the identification of adoption factors. On the basis of the identified factors, the paper presents a new technology adoption framework as a platform for researchers to investigate the adoption of innovative technologies within the framework of individual’s context. This model has laid open other areas of research in identifying various factors for individual adoptions rather than intent to accept technological innovations.