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 © 2023 Global Journals who strongly disagreed were the least (2.5%). This implies that the bank are liable for avoid their risk hinder people. In Item 2: Regarding to lack of confidence with the security aspects considered as barrier for adoption of e banking service: -7.4% of respondents said strongly disagree 9.3% of the respondents disagreed, 37.6% of the respondents were Moderate. 27.8% of the respondents agreed and 17.9% of respondents were said strongly agreed. So, the majority of the respondents said moderate 37.6% of them lack’s confidence security aspects. So the bank provide security to avoid barriers. In Item 3: Security risk affect users decision to use the system; 29% of the respondents were strongly disagreed, 5.6% were disagree, 7.4% the respondents were Moderate, 9.5% of the respondents were agreed on security risk and 18.5% of the respondents preferred strongly agree. The major respondents selected agree which is 47.4% and 5.6% disagree are least this shows that security risk affects user decision to use the system. So the bank protect security risk to increase the decision of using the system. In Item 4: Difficult to trust the technology provided by the banks: 58% of respondents were strongly disagree, 10.6% of the respondents were disagreed, 4.9% of the respondents were Moderate, 21.6% of the respondents were agreed and 4.9% were strongly agreed. The majority of the respondents choose strongly disagree to the difficulty of trust the technology provided the banks. who said moderate and strongly agree were the least (4.9%). Therefore the banks provided technology for users. Organizational Factors Source: Own Survey 2021 G. C Item 1, Table 4.5: Using E-Banking service increases cost to do banking task. In the above, regarding to organizational factors of the bank 1.2 percent of respondents said strongly disagree, 3.1 percent of the respondents said disagree, 50.7 percent of the respondents were Moderate, 25.9 percent of the respondents agreed, 19.1 percent of the respondents were strongly agreed. So, most of respondents were Moderate on E-Banking service increases cost to do banking task and the strongly disagreed respondents were the least. So the bank minimizes the cost of e- banking service. Item 2: Provides guidelines on the use of E-banking services facility. In the above table, regarding to organizational factors of the bank 87 percent of respondents said strongly disagree, 9.9 percent of the respondents said disagree, 0.6 percent of the respondents were Moderate, 3 percent of the respondents agreed, 0.6 percent of the respondents were strongly agreed. So, most of respondents were strongly disagree on Provides guidelines on the use of E-banking services facility and the strongly agreed and moderate respondents were the least. Therefore the bank provides guideline on the use of e-banking service facility. In Item 3: Relatively using Mobile to get E-banking service is expensive for; 3.7% of the respondents were strongly disagreed, 15.4% of were disagree, 49.4% of the respondents were Moderate 17.3% of the respondents were agreed and 14.2% of the respondents preferred strongly agree. The major respondents selected moderate which is 49.4% of them and 3.7% are the least for strongly disagreed. So that the bank should reform E- banking service commission. Global Journal of Management and Business Research ( A ) XXIII Issue IX Version I Year 2023 28 No. Items Strongly Disagree Disagree Moderate Agree Strongly Agree Mean Frequency (%) Frequency (%) Frequency (%) Frequency (%) Frequency (%) 1 Using E- Banking service increases cost to do banking task 2 ( 1.2 % ) 5 (3.1%) 82 (50.7%) 42 (25.9%) 31 (19.1%) 3.59 2 The bank provides guidelines on the use of E-banking services facility 141 (87 %) 16 (9.9 %) 1 (6 %) 3 ( 1.9 % ) 1 (6 %) 1.19 3 Relatively using Mobile to get E-banking service is expensive for 6 (3.7%) 25 (15.4 %) 80 (49.4%) 28(17.3%) 23 (14.2%) 3.23 4 Of our bank were not familiar with the E- Banking service provided using mobile phone 11(6.8 %) 12 (7.4%) 51 (31.5%) 84(51.9%) 4 (2.4%) 3.56 5 Lack of technical and managerial skills to use the system. 3 (1.9%) 5 (3.1 %) 11 (6.8 % ) 122 (75.3 % ) 21 (12.9%) 3.94