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 34 © 2023 Global Journals variable and reported ( β = 0.063 and β = 0.491) respectively. The R Square value (0.610) and R (0.511) shows that these variables contribute 41% in this analysis. Lastly it can be said that the current regression analysis results are similar to the aforementioned empirical evidences. After presenting the results and discussion of the research in the previous chapter, the summary of findings are now discussed in the light of the previous chapter. Conclusion and recommendations are presented. a) Conclusion The study investigated the determinants of electronic banking service adoption: A study conducted in ECONOMICS LEADERSHIP city international bank. Data Analysis of the findings generated from the results of survey which were conducted through the questionnaires. A total of 180 questionnaires were distributed and 162 questionnaires collected whereas the remaining 18 questionnaires uncollected duo to different reason. 107 (66%) of the respondents were male and 55 (34%) of the respondents are female. All respondents are used mobile banking service and they have saving account. From technological factors fear of risk and lack of confidence highly affect e- banking service adoption. Regarding to organizational factors 50.7%of respondents said that using e-banking service increase cost to do banking task. 87% of respondents strongly disagree about providing guideline on the use of e- banking service facilities. 49.4% of respondents were give moderate response about e-banking service expensiveness to compare other services. Majority of the respondent (75.3%) agreed the lack of technical and managerial sill to use the system. Regarding to environmental factors 40.1% of respondents said that network is the major factors of e- banking service. 80.7% of the respondent strongly agree on lack of sufficient government support will affect customer willingness to use technology innovation. 80.3% of the respondents were agreed on lack of available ICT infrastructure will affect the effectiveness of E-banking services. 42.2% of respondents strongly disagreed on lack of legal framework affect e banking service. Demographic and Socio-Cultural Factors: 53.7% of respondents agreed on E-Banking service make it easier to do banking activities. 72.8% of the respondents were strongly disagreed on e- banking services are to accomplish banking tasks. 102 percent of the respondents were agreed on. Using E-Banking simplify the activity of workers to deliver service to. Majority of the respondents strongly disagree on management of the bank provide training courses for its staff when introducing e banking service. Age is also the major factors of on using e banking service. 56.2% ware agreed on educational level is the most important issue in using e-banking service. The major respondents were agreed on Social class is significant issue for using e-banking service.37% of respondents were strongly agreed about attitude toward banking saving money is important to using e–banking service. 1. Perceived usefulness: 75.9% of the respondents were strongly agreed on E-Banking service is more accessible to users than visiting a bank. The majority respondents said strongly disagree (80.2%) on transactions in E-Banking are at a lower price, or at no cost for. 2. Political and legal issue factors: 35.8% of respondents moderately agree on tax policy affects the service of e-banking service. 42.6% of respondents were agreed on bureaucracy plays significant role in using e banking service. 3. Based on correlation analysis: The results indicate 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). Technological organization, demographic and socio-cultural, political and legal issue environment variables have a positive and significant effect on E-banking service. 4. Based on regression analysis: E-bank being attention grabbing ( β = 0.277) has more influence than Demographic and socio-cultural factors being impressive ( β = 0.211) on technological. Determinants of electronic E-banking service adoption reported positive significant impact of independent variables on the dependent variable (F = 30.144 and p < 0.05). They also found (R = 0.111 and R Square = 0.261), which predicts a moderate relationship between the set of independent variables and dependent variable with the reduced error of prediction by 26.1%. b) Recommendation Based on the conclusions of the study, the I forward the following recommendations.  The bank creates awareness about the use of E- banking services to the employees and their to improve the adoption of E-banking service.  Therefore the bank should be strongly promoted about the use of E- banking service for the customer.  The banks are liable for the risk of E-banking service. C hapter Five: C onclusion and R ecommendation