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 In Item 4: of our bank were not familiar with the E- Banking service provided using mobile phone: the 6.8 percent of the respondents were strongly disagree, 7.4 percent of the respondent were disagreed, 31.5 percent of the respondents were Moderate, 51.9 percent of the respondents were agreed and 2.4 were strongly agreed. Therefore the bank create awareness to the customer how to use e-banking service by using mobile phone. In Item 5: Lack of technical and managerial skills to use the system; 1.9% of the respondents were strongly disagreed, 3.1% of were disagree, 6.8% of the respondents were Moderate, 75.3% of the respondents were agreed and 12.9% of the respondents preferred strongly agree. The major respondents were Moderate which accounts 75.3% and 1.9% are the least for strongly disagree. Because this the bank improve technical and managerial sill of e-banking service implementation. Source: Own Survey 2021 G. C Environmental Factors: In the above table 4.6 item 1, regarding to using E-Banking with mobile is difficult due to low network access in Ethiopia. Null percent of respondents said strongly disagree, 8.6 percent of the respondents said disagree, 40.1 percent of the respondents were Moderate, 31.5 percent of the respondents agreed, 31.5% of the respondents were strongly agreed. So, most of respondents were Moderate on network access. The strongly disagreed respondents were the least (null %). Therefore the bank cooperate with Ethio -telecom to improve network access of the bank. In Item 2: Lack of sufficient government support will affect customer willingness to use technology innovation.: -the majority of respondents said strongly agree (80.7%), 4.9% of the respondents disagreed, 3.1% of the respondents were strongly disagree. 6.8% of the respondents agreed and 4.3 % of respondents were said moderate. To conclude the above analyses the bank should be cooperate with government to get support and to initiate to use technological innovation. In Item 3: Lack of available ICT infrastructure will affect the effectiveness of E-banking services: 3.7% of the respondents were strongly disagreed, 4.3% of were disagree, 6.8% the respondents were Moderate, 80.3% of the respondents were agreed on awareness of and 4.9% of the respondents preferred strongly agree. The major respondents selected were agree which is 80.3% and 3.7% are the least for strongly disagree. So the bank improve ICT infrastructure to improve the effectiveness of e banking service for. In Item 4: E- banking services may not perform well because of network problem: 5.5% of the respondents were strongly disagreed, 8.6% of were disagree, 1.9% the respondents were Moderate, 59.9% of the respondents were agreed and 24.1% of the respondents preferred strongly agree. The major respondents selected were agree which is 40.5% and 1.9% are the least for moderate. Therefore the bank improve network problem. In Item 5: Lack of legal framework affect e banking service. 42.2% of the respondents were strongly disagreed, 25.3% of were disagree, 14.8%the respondents were Moderate, 8.6% of the respondents were agreed and 11.1% of the respondents preferred strongly agree. The major respondents selected strongly disagree which is 40.2% and 8.6% of the respondents are agree which is the least. Global Journal of Management and Business Research ( A ) XXIII Issue IX Version I Year 2023 29 No. Items Strongly Disagree Disagree Moderate Agree Strongly Agree Mean Frequency (%) Frequency (%) Frequency (%) Frequency Frequency (%) 1 Using E-Banking with mobile is difficult due to low network access in Ethiopia 0 (0%) 14 (8.6%) 32(19.8%) 65 (40.1%) 51(31.5%) 3.94 2 Lack of sufficient government support will affect willingness to use technological innovation 5 (3.1%) 8 (4.9%) 7 (4.3 %) 11(6.8% ) 131 (80.7%) 4.57 3 Lack of available ICT infrastructure will affect the effectiveness of E-banking services 6 (3.7%) 7(4.3%) 1 (6.8%) 130 (80.3%) 8 (4.9%) 3.78 4 E- banking services may not perform well because of network problem 9(5.5%) 14(8.6% ) 3 (1.9%) 97 97 (59.9%) 39 (24.1% ) 3.88 5 Lack of legal frameworks that enforce banking industries adoptiontechnological innovation may affect the adoption of e – banking service 65 (40.2%) 41(25.3%) 24(14.8%) 14 (8.6%) 18 (11.1%) 2.25 (%)