Abstract
The article investigates the factors affecting customers’ adoption decision of mobile banking in Bako Tibe, Ethiopia. The continuous expansion of technological innovations especially in the banking sector have stirred competition which has changed the way businesses operate resulting in the introduction of mobile banking. This is illustrated that Ethiopia is recently expanding the use of internet banking such as mobile banking. To analysis of the determinants of mobile banking adoption in Bako Tibe, open and semi-structured questionnaires were used. The results of binary logit model indicates that quality of internet, lack of awareness, relative advantage, awareness, trial ability, experience, gender, education, income and age are the factors that are significantly influencing customers’ adoption decisions of mobile banking at Commercial Bank of Ethiopia. The conclusion is that commercial bank of Ethiopia invests massively in mobile banking and other information technology innovations in order to further promote efficient service delivery and increase adoption of mobile banking services. Key words: Mobile banking; adoption; logistic regressions; experience; awareness; experience. DOI : 10.7176/CEIS/10-1-02
Highlights
Mobile banking system is new development in Ethiopian Banking industry
A study conducted by Abenet Y (2010) in Ethiopia found that mobile banking practice is greater among those peoples who are in a better educational level, so educational level has positive impact on mobile banking adoption
This study examined some empirical evidence about factor affecting mobile banking adoption intention at commercial bank of Ethiopia
Summary
Mobile banking system is new development in Ethiopian Banking industry. Mobile banking services are being used with increasing frequency in Ethiopia. The adoption of mobile banking (M-banking) began to occur quite extensively as a channel of distribution for financial services due to rapid advances in the banking market. Mobile banking offers numerous benefits to both banks and customers (Allen et al, 2001). Mobile banking dates back to the end of the 1990s when the German company Paybox, in collaboration with Deutsche Bank,launched the first service. Kenya was the first to introduce a text-based mbanking service, M-Pesa, in 2007. By 2012, there were more than seven million registered M-Pesa users in Kenya
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