The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria

Oluyinka, Solomon Ayodele (2016) The role of trust as a mediator in the relationship between technology factors and intention to accept internet banking in Nigeria. Doctoral thesis, Universiti Tun Hussein Onn Malaysia.

Preview	Text 24p SOLOMON AYODELE OLUYINKA.pdf Download (3MB) | Preview
	Text (Copyright Declaration) SOLOMON AYODELE OLUYINKA COPYRIGHT DECLARATION.pdf Restricted to Repository staff only Download (3MB) | Request a copy
	Text (Full Text) SOLOMON AYODELE OLUYINKA WATERMARK.pdf Restricted to Registered users only Download (4MB) | Request a copy

Abstract

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.

Item Type:	Thesis (Doctoral)
Subjects:	H Social Sciences > HG Finance
Divisions:	Faculty of Technology Management and Business > Department of Technology Management
Depositing User:	Mrs. Sabarina Che Mat
Date Deposited:	25 Jul 2021 01:10
Last Modified:	25 Jul 2021 01:10
URI:	http://eprints.uthm.edu.my/id/eprint/372

Actions (login required)

View Item