determinants of mobile banking adoption in commercial banks of Ethiopia: the evidence of Jimma town

Abstract

The purpose of this study was to investigate the determinants of mobile banking adoption in commercial banks of Ethiopia in Jimma city. Commercial banks in Ethiopia introduced mobile banking technology. However, the numbers of users of the services are very small, even by African standard. The data was collected by administering questionnaire and exploring documents. The collected information is analyzing using quantitative and qualitative method of data analysis. The study was employed both descriptive and explanatory research design. Both primary and secondary data was employed. Data were generated from customers of the bank who was selected based on the study was delimited to convenience and purposive sampling techniques. Quantitative data are collected using a structured questionnaire which has been developed and distributed to a sample of Mobile banking users. The quantitative data was analyzed by using descriptive and inferential analysis. The findings of descriptive statistics have shown that, the mean score of Mobile banking adoption variables i.e. perceived usefulness, perceived ease of use, trust and risk condition. The assumption test were done and no multicolinaritiy. The major finding of the study was there is a positive correlation and significantly related between perceived trust, perceived usefulness, perceived ease of use, perceived risk and mobile banking adoption. Based on the result of the finding of some recommendation were given as follow. The policy makers and the bank should concern on regulation about security issues, for protecting user’s information.