The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria
This study had been carried out to investigate factors that influence the intention to accept internet banking and examined the mediating role of trust between technology factors and the intention to accept an internet banking. This study reviewed related technology acceptance theories and trust...
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| Format: | Thesis |
| Language: | English English English |
| Published: |
2016
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| Subjects: | |
| Online Access: | http://eprints.uthm.edu.my/372/1/24p%20SOLOMON%20AYODELE%20OLUYINKA.pdf http://eprints.uthm.edu.my/372/2/SOLOMON%20AYODELE%20OLUYINKA%20COPYRIGHT%20DECLARATION.pdf http://eprints.uthm.edu.my/372/3/SOLOMON%20AYODELE%20OLUYINKA%20WATERMARK.pdf |
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| Summary: | This study had been carried out to investigate factors that influence the intention to
accept internet banking and examined the mediating role of trust between technology
factors and the intention to accept an internet banking. This study reviewed related
technology acceptance theories and trust models. The decomposed theory of planned
behaviour, innovation diffusion theory and trustworthiness technology were adopted.
The aforementioned adopted models suggested five main factors namely; perceived
behaviour control, attitude, subjective norm, trust and intention to accept internet
banking. This was a quantitative research method. Questionnaire was adopted to 559
bank customers within Lagos, Port-harcourt and Abuja in Nigeria. The response rate
is 55.85%, representing 391 worth questionnaires. SPSS and AMOS version 20 tools
were utilized to analyze the data in reference to descriptive statistics, standardized
regression and mediation effects. The initial model without mediation analyzes
revealed 71% variance (R2) in customer intent to accept internet banking. However,
when modified with trust mediating factors, the results revealed 74% variance,
implying that trust contributed a 3% to the model. Consequently serves as a partial
mediator towards the intention to accept internet banking in Nigeria. As a result,
thorough understanding of this may assist practitioners in analyzing reason(s) for slow
pace in acceptance of the technology, provide efficient measures to improving
customers’ acceptance and provide an insight for academia about internet usage in
Nigeria. Future studies can be directed towards replicating the use of this model in
other locations and different analytical techniques. |
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