Factors Influencing the Adoption of E-Banking in Somalia

Iranian Journal of Accounting, Auditing and Finance

دوره 3، شماره 4، زمستان 2019، صفحه 23-36  

نوع مقاله: Accounting

شناسه دیجیتال (DOI): 10.22067/ijaaf.2020.62970.0

نویسندگان

Mohamed Ismail Mohamed¹؛ Yurita Yakimin Abdul Talib²؛ Ahmad Haruna Abubakar³؛ Abdullahi Bala Ado ³

¹SIMAD University, Faculty of Management Science, Mogadishu Somalia

²Universiti Utara, Malaysia, Tunku Puteri Intan Safinaz School of Accountancy (TISSA)

³Universiti Sultan Zainal Abidin, Malaysia, Faculty of Business and Management Sciences

چکیده

The electronic banking concept has been in practice worldwide, especially in developed nations, compared to developing countries where Somalia is no exception to this trend. The purpose of this study is to identify the factors that determine e-banking adoption in Somalia. Since the introduction of e-banking, several studies have explored diverse e-banking concepts in developing nations. This study identified four main determinants of e-banking adoption, which include internet speed, trust, perceived ease of use, and perceived usefulness. This study's findings show that internet speed, trust, perceived ease of use, and perceived usefulness played a significant role in determining e-banking adoption. The method employed in this study involved primary data through an online survey questionnaire. The study's limitation is basically quantitative research; hence, future research should include other geographical areas such as other Somalia cities, meeting the findings' generalization. This study also suggests that future research should implement a longitudinal study where recurring measurement on respondents is done, thereby understanding the e-banking adoption behavior over time.

کلیدواژه‌ها

Internet speed؛ Trust؛ Perceive ease of use؛ Perceive usefulness؛ Technology