An Empirical Evaluation of the Effects of Gender Differences and Self-efficacy in the Adoption of E-banking in Nigeria: A Modified Technology Acceptance Model

The issues of gender disparity in the usage of information technology (IT) as well as self-efficacy have received considerable interest and attention among researchers in recent times. Prior research has identified that gender differences and self-efficiency affect the attitude towards adoption and use of technology. In brief, females are believed to be disadvantaged compared to their male counterparts with respect to IT usage and acceptance. The reasoning is that males are mostly more exposed to technology and tend to have more proficiency with such tools. Very little information exists in the extant literature regarding perceptions in developing parts of the world, including Africa. In this chapter, an empirical evaluation of the issues in the context of e-banking will be made in Lagos (Nigeria) and its environs. An extended Technology Acceptance Model (TAM) will be used as a conceptual framework to guide the discourse. Data analysis was done on SPSS 15.0. The study’s results showed that gender differences moderated the acceptance of e-banking of users in the research context. Namely, computer self efficacy and perceived ease of use were concerns to females, but less so for their male counterparts. In the same vein, perceived usefulness of e-banking is discovered to be the most influencing factor for male users. The study’s implications for research and practice are discussed in the chapter

The supply side of innovation diffusion - A UK SME broadband adoption perspective

Recent research suggests that the majority of the Small and medium sized enterprises (SMEs) e-business research focusses primarily on studying innovation diffusion within the SMEs themselves with limited research into the supply-side of innovation diffusion This study examines the supply side of innovation diffusion to SMEs in south east United Kingdom (UK). It aims to examine and provide an indepth view of the broadband diffusion process to SMEs in UK by exploring the views and activities of the various groups involved in the process with a particular focus on the supply side. Innovation diffusion and social construction of technology theory are applied to extend a framework with a view to address some of the issues not covered in previous literature. Our research results suggest that even though the various social groups are working towards the same goal, both sides have a very different view of what the expectations are from the supply side of innovation diffusion. We believe that our results are useful to providers looking to diffuse broadband as well as other IT innovations to SMEs

A socio-technical approach to broadband diffusion by SMEs

Technological deterministic theories such as Diffusion of Innovations (DOIs) theory provide a useful view of the diffusion process of new technologies. However, the view provided is limited, as it mainly looks at the supply side of the diffusion process hence, the need for the ability to examine various sides that influence the diffusion of new technologies. The Social Construction of Technology (SCOT) provides an avenue to examine such views. In this paper, we examine the adoption of broadband by Small/Medium size Enterprises (SMEs) using a proposed framework that applies notions from SCOT. An initial application of the framework shows perception gaps among the social groups involved in the diffusion process of broadband. These gaps might explain the slow take up of broadband by SMEs in the UK

A capability approach to the analysis of rural households' wellbeing in Nigeria

Rural households in Nigeria have been characterized as poor, and with little opportunity for development. Many studies have equated poverty with well being, however empirical literature on well being is less researched. This paper attempts bridge the knowledge gap in the empirical literature of well being studies and specifically the use of the capability approach in its application in the Nigerian well being context which is not as well researched as poverty studies. The study made use of the Nigerian Core welfare indices survey questionnaires of 2006 to provide data relevant to capability well being dimensions. The dimensions include housing, health, nutrition, education, asset ownership/economic, information flow and security. The first part of the study involve developing indices of well being using the fuzzy set in order to generate a composite well being index by the elementary indicators of the well being dimensions. The second part of the study used a logistic regression to explore the variability in achieving the composite well being index value by a set of Conversion factors. The fuzzy set result revealed that the capability to attain a desired state of well being is highest with respect to asset ownership and lowest with respect to security. The logistic analysis shows that the predicted probability of attaining the mean capability well being level increases for male headed rural households, increasing educational level and age of the head, increasing household size, employment in the public sector and residence in any other geopolitical zone except the Northwestern zone.Well being, Capability, Rural Households, Nigeria