Computing and Library Services - delivering an inspiring information environment

The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

Ifeonu, Robert Odera and Ward, Rupert (2015) The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria. IEEE African Journal of Computing & ICTs, 8 (4). ISSN 2006-17811

PDF - Accepted Version
Download (757kB) | Preview
Official URL:


With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology.

Item Type: Article
Subjects: T Technology > T Technology (General)
Schools: School of Computing and Engineering > Pedagogical Research Group
Related URLs:
Depositing User: Rupert Ward
Date Deposited: 15 Mar 2016 14:36
Last Modified: 28 Aug 2021 17:18


Downloads per month over past year

Repository Staff Only: item control page

View Item View Item

University of Huddersfield, Queensgate, Huddersfield, HD1 3DH Copyright and Disclaimer All rights reserved ©