The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

User Acceptance of Mobile Broadband in Nigeria

Broadband access has been identified as a fundamental part of any thriving economy because it contributes to GDP.  Besides, mobile broadband has been seen as the means for which developing countries can leapfrog into the post-industrial era. According to the figure released by Nigerian Communications Commission in April, 2014, the number of mobile internet subscribers had dropped from 64.5 to 63 million as at February, 2014 and steadily rose to 87 million in April, 2015. Considering those figures and comparing it with the national population figure of about 178 million, and the mobile telephone subscription figure of about 145 million in Nigeria, the rate of acceptance of mobile broadband is not an appreciable penetration rate to substantially drive the adoption of other e-services like mobile commerce, mobile payment services throughout the entire country, except for few cities. To bridge this gap and foster faster rate of acceptance of mobile internet, this paper sought to investigate the factors that could stimulate the intention of users to use mobile broadband in Nigeria by empirically validating an integrated research model, adopted from the unified theory of acceptance and use technology (UTUAT) model by integrating mobile broadband motivation, government support and perceived price value constructs. Online survey data was collected from 376 respondents and analyzed using partial least square (SmartPLS) technique. Result shows that mobile broadband motivation, government support, perceived price value, social influence’ and facilitating conditions are significant determinants of intention behavior to use mobile broadband in Nigeria. The findings of this research are vital to telecoms and broadband service providers in understanding the factors that stimulate people’s behavior for subscribing to mobile internet and for deploying infrastructures and services; it will also help government and telecoms regulators to streamline their policy towards meeting these factors. To the academia, this integrated research model presents an extended view of the UTAUT model for investigating the determinants of broadband acceptance in developing countries. Keywords: mobile broadband, motivation, government support, Nigeri

The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria

The main objective of this study is to investigate factors that can predict adoption of ebanking in Nigeria. Specifically, it aims at investigating mediating influences of esatisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its other determinants. The motivation of this study is driven by the inconsistent findings in the literature with respect to the relationships between e-banking adoption and its determinants: perceived usefulness, perceived ease of use, perceived security and facilitating condition. In line with the inconsistencies, various suggestions have emerged pointing to the need to investigate the possible mediating variables that could explain the inconsistencies. For that purpose, this study employed theories of Technology Acceptance Model (TAM), Universal Theory of Acceptance and Use of Technology (UTAUT) and Social Exchange theory to synchronize the possible relationships among the variables in the conceptual framework. Survey questionnaire was advocated and the questionnaires were distributed randomly to 382 customers of four major banks in Nigeria. Out of 291 returned questionnaires, 266 were useable for analysis. PLS-SEM was used to analyze both direct and indirect relationships among the variables of the study. The results reveal that perceived usefulness, perceived security, perceived ease of use, facilitating condition, and awareness are positive determinants of e-banking adoption, e-satisfaction, hedonic motivation and e-trust accordingly with an exception of perceived usefulness that does not determine e-trust. The study also found that e-satisfaction; e-trust and hedonic motivation mediate the relationship between perceived usefulness, perceived ease of use, perceived security and facilitating conditions and e-banking adoption. Finally, managerial, policy and theoretical implications as well as directions for future research are discussed in this paper

REVIEW OF STUDIES WITH UTAUT AS CONCEPTUAL FRAMEWORK

The main focus of this paper is to contrast and combine results from different studies using the Unified Theory of Acceptance and Use of Technology(UTAUT) and its extensions, in the hope of identifying patterns among studied results, sources of discrepancy among those results, or other existing relationships that may come to light in the context of these study. Studies from which this paper was prepared were basically derived from Emerald, Science Direct, EBSCOhost databases. Out of 20 studies gleaned 4 were on telecommunication, 5 on banking, 12 were on Education and 5 were on Health. Results from these studies are varying. This paper tabulate thematically and chronologically literature where the Unified Theory of Acceptance and Use of Technology have been applied. The review identified the Topic, Author, Sample Size, Location where the study was carried and theoretical model used. It also includes the Statistical techniques applied, the objectives of the study and the result

Intention Toward Acceptance of Online Shopping Among Consumers in Kano, Nigeria: Application of UTAUT Model Approach in A Nigerian Context

Interestingly, the internet has become one of the most significant and popular platforms for businesses to market their offerings throughout the world. Shopping through the internet has emerged in recent years as a new concept and is advancing in many countries around the world, including sub-Saharan Africa such as Nigeria. However, the acceptance of e-shopping faces many challenges and barriers, such as technological, cultural, organisational, personal and social issues, which must be addressed for improved acceptance by consumers. Using a qualitative approach with a modified version of the UTAUT2 model (by integrating ‘awareness of online shopping’ and ‘mobile skilfulness’), the focus of this paper is to explore the critical factors influencing consumer behavioural intention towards the acceptance of online shopping based on the UTAUT model approach. Purposive sampling technique was employed to select a sample of 17 participants. Focus group interview was conducted with Nigerian postgraduate students of Lovely professional university India. The findings suggest that performance expectancy, effort expectancy, social influence, awareness of online shopping and mobile skilfulness are the major factors that are likely to influence behavioural intention to accept online shopping in Nigeria. The result of this study will be beneficial for policy makers/government agencies, telecommunication companies as well as online stores. Keywords: Behavioural intention, Consumer, Internet shopping, Online shopping in Nigeria, UTAUT DOI: 10.7176/JAAS/64-01 Publication date:May 31st 202

A ground-up approach to mHealth in Nigeria: A study of primary healthcare workers’ attitude to mHealth adoption

Mobile Health (mHealth) has been piloted in developing countries to transform the delivery of healthcare services. Despite this heightened focus on mHealth, the number of fully operational mHealth solutions implemented in these locations remains surprisingly low. To extend mHealth projects beyond pilot stage it is imperative that the primary end user is positively predisposed to engaging with the mHealth intervention. Through exploring initial perceptions, we can inform later stages of mHealth projects or develop interventions to convert attitudes into commitment or motivation to use mHealth. This qualitative exploratory study aims to understand end users’, namely Primary Healthcare (PHC) workers, initial attitudes towards a mHealth project called IMPACT (usIng Mobile Phones for Assessing, Classifying and Treating sick children). We conducted a field study in Enugu State, Nigeria to understand end users’ perceptions of the relevance, benefits, threats and initial understanding of the technology influencing end users’ attitudes towards adoption of mHealth. The initial findings indicate that PHC workers expressed positive perceptions regarding the relevance and benefits associated with the IMPACT app. PHC workers focus on how the technology could support them to be more efficient and effective in their roles. However, they advocate the need for community wide education and training to eradicate negative perceptions or misgivings about the potential use of mHealth as part of a patient’s assessment

Behavioural intention to adopt point of sales technology in Nigerian retail industry

The purpose of this study is to investigate the influence of performance expectancy, effort expectancy, social influence, facilitating conditions and customer concerns on behavioural intention to use point of sale terminal in the Nigerian retail industry and the moderating effect of technology awareness. Data were collected from 165 owners/managers of retail businesses in Nigeria, in a cross-sectional survey and were analysed using the partial least square structural equation modelling technique. The result of hypotheses testing confirmed that performance expectancy, social influence, facilitating conditions and customer concerns have a significant positive influence on behavioural intention, while effort expectancy does not. Similarly, technology awareness moderates the relationship between effort expectancy, social and behavioural intention, but does not moderate the relationship between performance expectancy, facilitating conditions and behavioural intention. The extended model explained 56 per cent of variance in behavioural intention. Due to resource limitations, this study focused on intention alone, neglecting the actual usage, thus the survey was cross-sectional. Therefore further studies should extend the horizon by capturing the intention and actual usage, perhaps in a longitudinal study. Based on empirical evidence, customer concerns and technology awareness are essential issues in technology diffusion, and therefore practitioners should pay more attention to them, particularly in the implementation of technology in retail business. The novelty of this research is pioneering the integration of customer concern and moderating effect of technology awareness in technology adoption litrature. Hence, it provides further explanation to the existing literature by empirically extending the unified theory of acceptance and use of technology with customer concerns and technology awarenes

Conceptualizing a Cashless System for the Retail Banking Sector of an Emerging Economy: Policy Implications for the Nigerian Apex Bank

Though the disadvantages of a cash-based economy have led to a massive rollout of electronic systems of payment in many countries of the world; there are some academic evidences suggesting that the adoption and usage of electronic systems of transactions are still below expectations despite its acclaimed advantages. Although the Central Bank of Nigeria (CBN) joined other leading countries as they announced the cashless policy in 2011 and has subsequently introduced more stringent measures to implement the policy to date, there are doubts that the policy is for the good of all. Based on the insights obtained from innovation theory and cross-country comparison therefore, this paper investigated why the Nigerian economy is still far from being ready for a national rollout of the cashless policy. Findings show that the age distribution, income and educational level of an economy will likely shape the antecedents of consumers’ acceptance and usage of electronic transaction systems. The proposed conceptual model shows that the Nigerian economy is unready for a national rollout of the cashless policy. It was also predicted that a national rollout of the cashless policy will generate some labyrinths that may likely spell short-run difficulties for retail banking activities in Nigeria. Policy implications for the CBN and other emerging economies that hope to embark on similar policy were put forward.Key Words: cashless policy, trust, risk perception, transaction security, education age and income distribution, electronic payment system, customer inertia, innovation acceptance, innovation theorie

Mobile Learning via Mobile Devices in Nigeria Higher Education: Usage Analysis Based on Utaut Model

The recent influx of various technologies has affected all sectors of the human life including education. Mobile learning has emerged with the evolution of mobile devices that has enhanced knowledge sharing via distance education systems. In Nigeria, it has been observed that under-utilization of the technology in higher education institutions (HEIs) is still prevalent. This study investigated the factors hindering the use of mobile devices for mobile-learning by students. Four research questions were formulated based on UTAUT model with nine variables and 391 survey questionnaires were administered on the students in two institutions in Ogun State. Data obtained were analyzed using two multiple regression and path analysis on SPSS 23. Findings showed that the facilitating factor of the mobile device leads other variables on direct effect on the attitude of students towards usage of mobile devices for m-learning. The management of HEIs should provide technical infrastructure supports on the use of mobile device