Determinants of Intention to Uptake Agent Banking Service: A Case of CBE – BIRR agents in Jimma area

Abstract

This study will investigate the Determinants of Intention to Uptake Agent Banking Service a case of CBE – BIRR agents’ at Jimma area The study sought to explain the impact of perceived risk, perceived ease of use, perceived usefulness and business location of an agent. In order to achieve the stated objective, the researcher adopted both quantitative and qualitative of research approach were used. The study used primary data collected by using questionnaires from selected Agents. The data collected was analyzed using descriptive and exploratory statistics and regression analysis. A researcher developed a framework based on the Technology Acceptance Model with some modification. The findings show that perceived risks has a negative effect on intention to Intention to Uptake agent banking in Ethiopia. This shows that there have to be further awareness about risk (system security, trust on agent, so on) of the system to be confident. The study revealed that perceived ease of use, Perceived usefulness, and Location of the agent’s business area were recognized as it positively influences the intention of uptake agent of banking service. The study recommends the bank should expand its agent banking Service to unbanked area and creates awareness to its potential customers.