Mobile Banking Adoption In Ethiopia A Case Of Commercial Bank Of Ethiopia

The purpose of this study is to investigate the Perceived Determinants of Mobile Banking adoptionrnin Ethiopia: A Case of Commercial Bank of Ethiopia. The study tries to combines two widely usedrnmodels for technology adoption, the extended TAM model along with Relative advantage torninvestigate factors influencing mobile banking adoption in commercial bank of Ethiopia. As arnresult for this study the factors influencing mobile banking adoption are perceived usefulness;rnperceive ease of use, perceived credibility, Perceived self-efficacy, perceived risk, perceived costrnand relative advantagernThis study was conducted based on the data gathered from customers of Commercial Bank ofrnEthiopia and the Survey was conducted using questionnaire. Out of 400 questionnaires that havernbeen distributed, 369 were usable. The research results found perceived usefulness, perceivedrnease of use , perceived self-efficacy, relative advantage and perceived risk as major influencingrnfactors for mobile banking adoption whereas the study found perceived credibility and perceivedrncost were found to have insignificant effect on mobile banking usage for bank customers locatedrnin Ethiopia. The study recommended banks to emphasize in designing user friendly system, tornproject higher security when providing mobile banking services and let its customers know howrnthe security issue is reveled in order to yield higher customers’ acceptance

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