Global Journal of Management and Business Research, A: Administration and Management, Volume 23 Issue 9

Note: SA- Strongly Agree = 5, A- Agree = 4, N- Neutral = 3, DA- Disagree = 2, SD- Strongly Disagree =1 Part one: Factors 3 I. Technological factors (Perceived risk) 1 2 3 4 5 1 Fear of risk to use E- Banking may hinder people to use it. 2 Lack of confidence with the security aspects considered as barrier for the adoption of E- Banking 3 In the case of using E-Banking, security risk affect users decision to use the system 4 It is difficult to trust the technology provided by the banks II. Organizational Factors 5 Using E- Banking service increases cost to do banking task 6 The bank provides guidelines on the use of E-banking services facility 7 Relatively using Mobile to get E-banking service isexpensive for 8 of our bank were not familiar with the E- 9 Lack of technical and managerial skills to use the system. 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 37 © 2023 Global Journals 6. What type of E- banking service you use? ATM Mobile banking Internet banking POS Agent banking None 7. How long you use the service? Below 1 year 1year 2 years 2 years & above Section II: Below are lists of statements pertaining to adoption of E- Banking. Please indicate whether you agree or disagree with each statement by ticking (√) on the spaces that specify your choice from the options that range from ’’strongly agree ‟ to ‘’strongly disagree ‟ . III. Environmental Factors 10 Using E-Banking with mobile is difficult due to low network access in Ethiopia 11 Lack of sufficient government support will affect willingness to use technological innovation 12 Lack of available ICT infrastructure will affect the effectiveness of E-banking services 13 E- banking services may not perform well because of network problems 14 Lack of legal frameworks that enforce banking industries to adopt technological innovation may affect the adoption of E-banking by banks.