Research Article

CONSUMER ATTITUDE, PERCEIVED RISK, TRUST AND E-BANKING IN KADUNA STATE

Bugaje Idris Bashir1*, Idris Ahmed2
1 Department of Business Administration, Ahmadu Bello University, Zaria -Nigeria
2 Department of Business Administration, Ahmadu Bello University Zaria, Nigeria
* Corresponding author: idrisbug2002@gmail.com
Published: Dec, 2015
Pages: 143-155
Views: 12
Downloads: 6

Abstract

The need to have an efficient as well as an effective financial system that will ensure easy monitoring and pave way for a cashless economy have made the central bank of Nigeria to come up with policies that will force customers to embrace e-banking products. The objective of this paper is to examine the influence of customer attitude, perceived risk and trust on internet banking adoption in Kaduna state of Nigeria. A cross sectional research design was adopted in carrying out the study. The study used a sample size of 384 out of which 294 questionnaires were filled and returned, representing 76.56 percent. A regression analysis was used with the help of SmartPLS statistical package. The study has revealed that customers’ attitudes have significant influence on e-banking adoption among bank customers in Kaduna state. While all the three independent variables play important roles in influencing internet banking, perceived risk by customers play a greater influence in determining internet banking adoption in Kaduna state. The study recommends the need for Nigerian banks to improve on their capacity to provide efficient internet banking by establishing a robust security system that will allay the fears of electronic frauds in e-banking operations.

Keywords

Consumer attitude perceived risk trust e-banking adoption Nigeria

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How to Cite

Bashir, B. I., & Ahmed, I. (2015). CONSUMER ATTITUDE, PERCEIVED RISK, TRUST AND E-BANKING IN KADUNA STATE. Nigerian Journal of Accounting Research, 11(2), 143-155.

B. I. Bashir, and I. Ahmed, "CONSUMER ATTITUDE, PERCEIVED RISK, TRUST AND E-BANKING IN KADUNA STATE," Nigerian Journal of Accounting Research, vol. 11, no. 2, pp. 143-155, December 2015.

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