Consumer adoption of internet banking in Nigeria

Authors:
Ping Gao;Olayinka Owolabi
Affiliations:
Institute for Development Policy and Management (IDPM), The University of Manchester, Arthur Lewis Building, Oxford Road, Manchester M13 9PL, UK.;ICT Office, Faculty of Humanities, The University of Manchester, Oxford Road, Manchester M13 9PL, UK
Venue:
International Journal of Electronic Finance
Year:
2008

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Abstract

Internet banking as a key component of e-finance has gained research attention. However, the research on developing countries is lacking. This paper investigates the factors that influence the consumer adoption of internet banking in Nigeria. The results show that the currently relevant factors determining the adoption of internet banking in Nigeria include the level of awareness or attention, the accessibility to computers and the internet, convenience, privacy, costs, and the availability of knowledge and support concerning internet banking. This paper argues that the banks should embark on initiatives that would drastically increase the level of consumer awareness of internet banking details, especially its benefits.