Global Journal of Management and Business Research, A: Administration and Management, Volume 23 Issue 9

Determinants of Electronic Banking Service Adoption the Case of Economic Leadership in Bank in Economics Leadership Global Journal of Management and Business Research ( A ) XXIII Issue IX Version I Year 2023 27 © 2023 Global Journals First degree 105 64.8% Masters & above 22 13.6% Others 0 0 Total 162 100% Source: Own Survey 2021G. C Based on the above table 4.2 item 107 (66%) of the respondents were male and 55 (34%) of the respondents are female. Based on the information, we can infer that the majority of the respondents were male In Item 2, specifies the age distribution of the respondents. Based on this 57 (35.2%) of the respondents are with the age of 21-30 years, age group of 31-40 years, 34 (21%) and 49 (30.2%) are with age group of 41-50 years and >50 years 22 (13.6%) so this indicates that the majority of the respondents are young 57 (35.2%) and >50 years respondents are the least which is 22 (13.6%). Based on the above table 4.2 number 3, 82 (50.6%) of respondents were single. 69 (42.6%) of them were married 9 (5.6%) were divorced and 2 (1.2%) orderly. So this indicates the majority the respondents are single 82 (50.6%) and the divorced were the least 2 (1.2%). In Item 4, education level of respondents. Based on this Diploma & bellow were 35 (21.6%), First degree were 105 (64.8%) Masters & above holders were 22 (13.6%), and others were 0 (0%) so this indicates that the majority of the respondents were degree holders and no others was in the Respondents 0 (0%). b) Descriptive Statistics Analysis Items Frequency Percentage What type of account do you hold? Saving account 162 100% Current account 23 14.1% Fixed time deposit 12 7.4 Total 197 122% What type of E- banking service you use? ATM 144 88.9% Mobile banking 162 100% Internet banking 58 35.8% POS 36 22.2% Agent banking 0 0% None 0 0% Total 400 246.9% How long you use the service? Below 1 year 36 22.2% 1 year 23 14.2% 2 years 26 16.1% more than 2 ears 77 47.5% Total 162 100% Technological Factors (Perceived Risk) Technological Factor: It is a determinant to E-banking service adoption fears of risk to use e-banking my hinder people to use it. In the above table 4.4. item 1 , 2.5% of respondents said strongly disagree, 7.4% of the respondents said disagree, 23.5% of the respondents were Moderate, 48.1% of the respondents agreed, 18.5% of the respondents were strongly agreed. So, most of respondents were agree on fear of risk to use e- banking my hinder people to use it and the respondents No. Items Strongly Disagree Disagree Moderate Strongly Agree Agree 1 Fear of risk to use E- Banking may hinder people to use it. 4 (2.5%) 12 (7.4%) 38 (23.5%) 30 (18.5%) 9 (5.6%) 2 Barrier for the adoption of E- Banking service. 12 (7.4 %) 15 ( 9.3 %) 61 (37.6%) 45 (27.8%) 29 (17.9%) 3 In the case of using E -Banking, security risk affectsuser’s decision to use the system. 47( 29%) 9 (5.6%) 12 (7.4%) 64(39.5% ) 30 (18.5 %) 4 It is difficult to trust the technology provided by the banks 94 (58 %) 17 (10.6 %) 8 (4.9 %) 35 (21.6%) 8 (4.9 %)