The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria

The main objective of this study is to investigate factors that can predict adoption of ebanking in Nigeria. Specifically, it aims at investigating mediating influences of esatisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its other determinants. The mo...

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Main Author:	Gbadebo, Salimon Maruf
Format:	Thesis
Language:	eng eng
Published:	2016
Subjects:	T Technology (General)
Online Access:	https://etd.uum.edu.my/6396/1/s95404_01.pdf https://etd.uum.edu.my/6396/2/s95404_02.pdf
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id	my-uum-etd.6396
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Mohd. Mukhtar, Sany Sanuri Yusoff, Rushami Zien
topic	T Technology (General)
spellingShingle	T Technology (General) Gbadebo, Salimon Maruf The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
description	The main objective of this study is to investigate factors that can predict adoption of ebanking in Nigeria. Specifically, it aims at investigating mediating influences of esatisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its other determinants. The motivation of this study is driven by the inconsistent findings in the literature with respect to the relationships between e-banking adoption and its determinants: perceived usefulness, perceived ease of use, perceived security and facilitating condition. In line with the inconsistencies, various suggestions have emerged pointing to the need to investigate the possible mediating variables that could explain the inconsistencies. For that purpose, this study employed theories of Technology Acceptance Model (TAM), Universal Theory of Acceptance and Use of Technology (UTAUT) and Social Exchange theory to synchronize the possible relationships among the variables in the conceptual framework. Survey questionnaire was advocated and the questionnaires were distributed randomly to 382 customers of four major banks in Nigeria. Out of 291 returned questionnaires, 266 were useable for analysis. PLS-SEM was used to analyze both direct and indirect relationships among the variables of the study. The results reveal that perceived usefulness, perceived security, perceived ease of use, facilitating condition, and awareness are positive determinants of e-banking adoption, e-satisfaction, hedonic motivation and e-trust accordingly with an exception of perceived usefulness that does not determine e-trust. The study also found that e-satisfaction; e-trust and hedonic motivation mediate the relationship between perceived usefulness, perceived ease of use, perceived security and facilitating conditions and e-banking adoption. Finally, managerial, policy and theoretical implications as well as directions for future research are discussed in this paper.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Gbadebo, Salimon Maruf
author_facet	Gbadebo, Salimon Maruf
author_sort	Gbadebo, Salimon Maruf
title	The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
title_short	The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
title_full	The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
title_fullStr	The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
title_full_unstemmed	The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria
title_sort	influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in nigeria
granting_institution	Universiti Utara Malaysia
granting_department	School of Business Management
publishDate	2016
url	https://etd.uum.edu.my/6396/1/s95404_01.pdf https://etd.uum.edu.my/6396/2/s95404_02.pdf
_version_	1747828071292993536
spelling	my-uum-etd.63962021-04-05T02:20:48Z The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria 2016 Gbadebo, Salimon Maruf Mohd. Mukhtar, Sany Sanuri Yusoff, Rushami Zien School of Business Management School of Business Management T Technology (General) The main objective of this study is to investigate factors that can predict adoption of ebanking in Nigeria. Specifically, it aims at investigating mediating influences of esatisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its other determinants. The motivation of this study is driven by the inconsistent findings in the literature with respect to the relationships between e-banking adoption and its determinants: perceived usefulness, perceived ease of use, perceived security and facilitating condition. In line with the inconsistencies, various suggestions have emerged pointing to the need to investigate the possible mediating variables that could explain the inconsistencies. For that purpose, this study employed theories of Technology Acceptance Model (TAM), Universal Theory of Acceptance and Use of Technology (UTAUT) and Social Exchange theory to synchronize the possible relationships among the variables in the conceptual framework. Survey questionnaire was advocated and the questionnaires were distributed randomly to 382 customers of four major banks in Nigeria. Out of 291 returned questionnaires, 266 were useable for analysis. PLS-SEM was used to analyze both direct and indirect relationships among the variables of the study. The results reveal that perceived usefulness, perceived security, perceived ease of use, facilitating condition, and awareness are positive determinants of e-banking adoption, e-satisfaction, hedonic motivation and e-trust accordingly with an exception of perceived usefulness that does not determine e-trust. The study also found that e-satisfaction; e-trust and hedonic motivation mediate the relationship between perceived usefulness, perceived ease of use, perceived security and facilitating conditions and e-banking adoption. Finally, managerial, policy and theoretical implications as well as directions for future research are discussed in this paper. 2016 Thesis https://etd.uum.edu.my/6396/ https://etd.uum.edu.my/6396/1/s95404_01.pdf text eng public https://etd.uum.edu.my/6396/2/s95404_02.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Abbasi, M. S., Chandio, F. H., Soomro, A. F., & Shah, F. (2011). 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