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

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.