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 32 © 2023 Global Journals (3.7%). Therefore the bank follows the tax police continuously. In Item 2: Consumer protection and e-commerce are significant on using e banking service 46.3 percent of the respondents were strongly disagree, 27.8 percent of the respondent disagreed, 14.8 percent of the respondents were Moderate, 9.9 percent of the respondents were agreed and 1.2% were strongly agreed. Most of the respondents strongly disagree. In the above analysis majority of the respondents said that customer protection has no significant effect on e banking service. In Item 3: Government involvement in banking industry is important on using e-banking service, 59.9 percent of the respondent were strongly disagreed, 19.1 percent of the respondents were disagree, 6.9 percent of the respondents were moderate, 9.3 were agreed and 14.8 percent of respondents were strongly agreed. Most of the respondents were strongly disagreed on government involvement in banking industry. In Item 4: Bureaucracy plays significant role in using e banking service.14.8 percent of the respondents were strongly disagree, 10.5 percent of the respondent disagreed, 17.3 percent of the respondents were Moderate, 42.6 percent of the respondents were agreed and 14.8% were strongly agreed. Most of the respondents were said moderate and 10.5% were the least for disagreed. The bank should follow comfortable bureaucracy system to improve e banking service. Table 4.10: Model Summary on Electronic Banking Adoption Model R R Square Adjusted R square Std. Error of the Estimate 1 0.926 0.813 0.859 0.2234 (Data Source 2021) Determinant independent variables (Technological factors organization, demographic and soi-cultural, political and legal issue and environment). The coefficients indicate the prediction of individual variables on the dependent variables. The results indicates that technology factor significantly ( β = 0.223, p = 0.010) predict adoption of E- banking. Perceived ease of use significantly ( β = 0. 451, p = 0.003) predict adoption of E-banking. Perceived compatibility does not significantly predict adoption of E-banking ( β = 0.111, p = 0.124). Perceived reliability significantly predict adoption of E- banking ( β = 0.223, p = 0.011). Perceived self-efficacy does not significantly predict adoption of E- banking. Table 4.11: Coefficients (Independent Variables as Predictors to E-banking Service) Model Unstandardized Coefficients Standardized Coefficients T Sig B Std Error Beta Technological organization, Demographic and Socio-cultural, Political and legal Issue Environment 0.7480 0.554 0.724 0.445 0.164 .078 .089 .079 .076 .018 0.2480 0.154 .124 .145 .164 .000 65.324 8.025 10.231 7.214 .999 .899 .999 .998 .857 (Data Source 2021) The data shows the coefficients of the independent variables (Technological organization, demographic and socio-cultural, political and legal issue environment) have a positive sign and P<0.01 for all independent variables; this result indicates that Technological organization, demographic and socio-cultural, political and legal issue environment variables have a positive and significant effect on E-banking service. Table 4.12: Summary Result of the Correlation Analysis Relationship r value P Value Status Result of the Hypothesis Relation between Technologies users ‘adoption of E-banking services. 0.877 0.000 Moderate Accept Organizational factors have Relation between users ‘adoption of E-banking services. 0.673 0.000 Strong Accept Environment has Relation between users ‘adoption of E-banking services. 0.681 0.000 Strong Accept Demographic and socio-cultural factors (age, sex, religion, culture, life style) Relation between users ‘adoption of E-banking services. 0.667 0.000 strong Accept Political and legal issue Relation between users ‘adoption of E-banking services. 0.550 0.000 Moderate Accept Data Source 2021