Towards A Comprehensive Framework For Measuring Technology Trust: The Case Of Mobile Banking Adoption In Nigeria

Existing literature has led to a consensus among researchers that the presence of user trust in a specific innovation will result in user's increased willingness to adopt that technology. However, there exists a lack of consensus on the specific factors contributing to users trust in a specific technology innovation. This study addresses this lack of consensus by identifying and empirically evaluating a set of antecedents to Nigerians’ trust mobile banking technology; using an integrative model. Research was conducted using a questionnaire developed and distributed in Nigeria and out of 2256 returned questionnaires, 1725 were deemed to have been completed and hence usable. The data was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, uthentication, access control, best business practices and non-repudiation significantly influenced technology trust with availability showing unsatisfactory values for consideration. From an academic standpoint, this empirical study provides a validated and consolidated research model can be adopted in future research in related fields of study as well as providing significant information to mobile banking vendors and application developers on the specific aspects of the technology which must be improved to encourage increased adoption of the technology in Nigeria.