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

An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria

Nigeria was depicted to be the fastest growing telecommunications nation in African. Presently, all members of the Nigeria banking industry have engaged the use of Information and Communication Technology (ICT) as a platform for effective and efficient means of conducting financial transactions. This paper focuses on determining the level of users’ acceptance of the electronic banking services and investigating the factors that determine users’ behavioral intentions to use electronic banking systems in Nigeria. The survey instrument employed involved design and administration of a total of 500 survey questionnaires within the Lagos metropolis and its environs. An extended Technology Acceptance Model (TAM) was employed as a conceptual framework to investigate the factors that influence users’ acceptance and intention to use electronic banking. To test the model, data was collected from 292 customers from various commercial banks in Nigeria. The model measured the impact of Perceived Credibility (PC), Computer Self-Efficacy (CSE), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU) on customer attitude and customer attitude on customer adaptation. The result of this research shows that ATM still remains the most widely used form e-Banking service. Banks’ customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users

ICT and Democratic Parliament in Africa: State of the Matter

Modern legislatures across the world are utilizing ICT to strengthen the hitherto weak citizens-representative interactions. For the legislative institutions of many African countries however, effective platforms for citizens-representative dialogical interaction for the purpose of making informed decisions and exercising influence on behalf of the represented are largely non-existence. The product of this is a disconnect between citizens and their representatives with its concomitant public distrust of political institutions and a decline in citizens’ loyalties and attachment to the government. This research paper draws from case analysis and literature search to examine the extent of electronic parliament implementation for re-engaging the electorate in the democratic states of Africa. Findings also reveal that despite such challenges as inadequate infrastructural facilities and capacity building in most African States, the exponential growth of ICTs in the continent, has the potential for strengthening interactive deliberation between citizens and their representatives and thus reduce citizens- representatives’ estrangement and make democratic processes more inclusive and transparent. This paper therefore argues that with effective ICT strategic planning and management and a mechanism for ICT skill training and development for all stakeholders, e-parliament presents a glimmer of hope for responsive and accountable governance in Afric

Electronic Mediated Administration and Public Service Delivery in Nigeria

The public service of any country is a major pillar in determining the development and stability of such country. This is because the public service is the engine for the processing of the vastly acquired and expanded government responsibilities of executing public policies and proj ects and rendering essential services to the people. In Nigeria, various governmental regimes have attempted repositioning the public sector for effective and efficient service delivery through various refonns. In spite o f all these ciTorts, the Nigeria Public Service remains inefficient and incapable of delivering its responsibility. This paper adopts descriptive and analytical approach with data collected from secondary sources. By interrogating the exponential growth, usage and acceptance of Information Communication Technology (ICT) in Nigeria, it argues for a paradigm shift from the traditional approach to electronic administration to enhance the delivery of publ ic goods and services which are considered necessary for the sustainable development of the country. ICT enabled administration has the potentials of revolution izing the qual ity of services delivered to the citizens by ushering in transparent, accountable and efficiency which have been the bane of the Nigeria's public sector