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

DISPUTES RESOLUTION AMONGST RESIDENTS OF TENEMENT PROPERTIES IN LAGOS, NIGERIA

Low income earners in Lagos metropolis have peculiar taste for a type of residential property, popularly referred to as face-me-I-face-you. The type of property usually consists of many units rooms flanking a central passage. Tenants with different orientation and background cohabit, and conflicts frequently occur amongst them. This paper examines the causes of conflicts that are common amongst tenants of tenement type of residential accommodation in Lagos metropolis. In so doing, questionnaires coupled with direct observation and interviews were administered on total of five hundred respondents randomly selected from five zones in the study area. The study found a number of factors causing the conflicts and recommends creative problemsolving strategies, amongst others, for managing such conflicts amongst occupiers of tenement houses in the study area