Factors Affecting The Adoption Of Internet Banking Services By Customers In Addis Ababa

The purpose of this study was to investigate which factors affect the adoption of Internetrnbanking in Addis Ababa. A conceptual frame work was developed based on factors in TAM,rnculture and perceived risk. Data was collected using questionnaire and distributed to arnsample of 300 customers of three selected banks namely Dashen bank, Commercial bank ofrnEthiopia, and United bank. The collected data was analyzed using SPSS version 20.0 forrndescriptive analysis and the inferential analysis was analyzed using structural equationrnmodeling. The findings of the study showed that perceived usefulness, perceived ease of use,rnattitude, perceived risk, and culture have a significant effect on intention to adopt Internetrnbanking. In addition attitude is negatively and significantly related to perceived risk andrnpositively and significantly related to perceived ease of use and perceived usefulness. Finally itrnis recommended to banks to improve their security policies, to make Internet banking morernuseful and useable, to concentrate on making their website user friendly, and governmentrnshould also improve ICT infrastructure.rnKey words- Internet banking, TAM, Culture, Perceived Risk, Addis Ababa.

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