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 31 © 2023 Global Journals In Item 8: Attitude toward banking saving money is important to using e–banking service. 1.2% strongly disagree, 9.3% ware disagree, 23.5% of respondents ware moderate, 29% of respondents ware agree and 37% of the respondents ware strongly agree. So attitude is the most important issue to the use of e-banking service Perceived usefulness Source: Own Survey 2021 G.C Perceived Usefulness: E-Banking service is more accessible to users than visiting a bank. In the above table 4.8 item 1 , regarding to accessibility e banking of service null percent of respondents said strongly disagree, null percent of the respondents said disagree, 9.3 percent of the respondents were Moderate, 14.8 percent of the respondents agreed, 75.9% of the respondents were strongly agreed. So, most of respondents were strongly agreed on accessibility e banking of service. The disagreed and strongly disagree respondents were the least (null %). So that the bank upgrade E-banking service regarding to accessibility of the . In Item 2: The transactions in E-Banking are at a lower price, or at no cost for: -the majority respondents said strongly disagree (80.2%), 6.8% of the respondents disagreed, 8.6% of the respondents were moderate. 1.9% of the respondents were agreed and 2.5 % of respondents were said strongly agreed. The strongly disagree respondents were the major. Because of the above analysis the bank reform the payment system of e banking service. In Item 3: E-Banking reduce number of coming to the banking hall 10.5percent of the respondents were strongly disagree, 6.8 percent of the respondent were disagreed, 53.7 percent of the respondents were Moderate, 19.7 percent of the respondents were agreed and 9.3 were strongly agreed. Most of the respondents were moderate. Therefore the bank increase the numbers of pos, ATM, agents to access effectively the service. In Item 4: E-Banking service is more accessible to users than visiting a bank: 32.1% of the respondents were strongly disagreed, 40.1% were disagree, 8% of the respondents were Moderate,10.5% of the respondents were agreed on starting of reward and 9.3% of the respondents preferred strongly agree. The major respondents said disagree which is 40.1% and 8% are the least for moderate. The bank give awareness usage of time to their. In Item 5: E-Banking service increase productivity of the bank; 1.2% of the respondents were strongly disagreed, 8.1% were disagree, 78.4%the respondents were Moderate,11.1% of the respondents were agreed on financial reward and 1.2% of the respondents preferred strongly agree. The major respondents were said Moderate which is 78.4% and 1.2% are the least for strongly disagreed and strongly agree. Therefore the bank provide new products of e banking service to attract. Table 4.9 Political and legal issue factors (Data source 2021). Political and Legal Issue Factors: In the above table 4.9 item 1 , regarding tax policy usefulness in e banking service 3.7 percent of respondents said strongly disagree, 9.3 percent of the respondents said disagree, 35.8 percent of the respondents were Moderate, 23.5 percent of the respondents agreed, 27.7% of the respondents were strongly agreed. So, most of No. Items Strongly Disagree Disagree Moderate Agree Strongly Agree Mean Frequency Frequency Frequency (%) Frequency (%) Frequency (%) 1 E-Banking service is more accessible to users than visiting a bank 15(9.3 % ) 24 ( 14.8 % ) 123(75.9 % ) 4.67 2 The transactions in E-Banking are at a lower price, or at no cost for 130 ( 80.2 % ) 11 ( 6.8 % ) 14 (8.6 % ) 3 (1.9% ) 4 (2.5 % ) 1.40 3 E-Banking reduce number of coming to the banking hall 17 ( 10.5 % ) 11(6.8 % ) 87 ( 53.7 % ) 32 (19.7% ) 15 ( 9.3 % ) 3.01 4 E-Banking service is more accessible to users than visiting a bank 52 ( 32.1%) 65 (40.1 % ) 13 ( 8% ) 17 (10.5%) 15 ( 9.3 % ) 2.25 5 E-Banking service increase productivity of the bank 2 (1.2 % ) 13 ( 8.1% ) 127 (78.4% ) 18 (11.1 % ) 2 (1.2 %) 3.03 (%) (%) respondents were Moderate on tax policy usefulness. The strongly disagreed respondents were the least