AN ASSESSMENT OF CULTURAL INFLUENCE ON PERSONALITY TOWARDS TECHNOLOGY ADOPTION

Individual's adoption of innovative technology in culture sensitive society had been in the discourse in recent past. Culture had been found to affect attitude towards technology adoption. Social psychologists theorized that culture significantly affect individuals personality which in turn affect altitude towards behavioral tendencies. However, this assertion had not been fully proven scientifically. Hence this study examined the impact of culture on personality towards innovative technology adoption. Quantitative research approach using questionnaire survey method was adapted. Data collected from 1539 banks' customers in two states within two geographical zones in Nigeria who had prior experiences with Internet technology were empirically tested using structural equation modeling (SEM). The findings revealed that culture, perceived ease of use. personality significantly influence the adoption of technology. Furthermore, culture was found to affect attitude towards adoption of technology as personality mediate it. While perceived usefulness was found to be insignificant in the adoption of e-banking.