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The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review

Ayo, C. K. and Adewoye, J. O. and Oni, Aderonke A (2010) The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review. Journal of Emerging Trends in Economics and Management Sciences, 1 (1). pp. 37-45.

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The most widely used e-Banking instrument in �igeria is e-Payment, particularly the automatic teller machine (ATM) card. However, with the adoption of e-Banking by all the banks in �igeria, the volume of cash in circulation has continued to increase pre-and-post bank recapitalization/consolidation exercise. Furthermore, some of the 25 banks that survived the exercise were found lately to have depleted their capital base and have lost credibility before the consumers, e-Banking implementation notwithstanding. Therefore, in this paper, we review the state of e-Banking implementation in �igeria and evaluate the influence of trust on the adoption of e-Payment using an extended technology acceptance model (TAM). Similarly, we investigate organizational reputation, perceived risk and perceived trust in the management of banks as a factor for enhancing customer loyalty. The findings in this work reveal that perceived ease of use and perceived usefulness are not only antecedent to ebanking acceptance, they are also factors to retain customers to the use of e-banking system such as organizational reputation, perceived risk and trust.

Item Type: Article
Subjects: Q Science > QA Mathematics > QA76 Computer software
Divisions: Faculty of Engineering, Science and Mathematics > School of Electronics and Computer Science
Depositing User: Mr Adewole Adewumi
Date Deposited: 29 Nov 2012 01:06
Last Modified: 23 Aug 2013 15:26

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