FACTORS INFLUENCING THE USAGE OF E- BANKING (IN A CASE OF COMERCIAL BANK OF ETHIOPIA, GUBIRYE BRANCH)

Abstract

Electronic banking is recent technologies in banking industry. The technologies give significant importance. it is easy, convenient, cost saving and readily available banking, most banks are now focusing on e banking instead of opening more branches at different geographical locations. In spite of the introduction of e-banking, most customers still concentrated in bank halls to transact business. The main objective of the research is to assess the challenge that influencing customer to use e-banking in case of commercial bank of Ethiopia Gubireye branch. And in order to give recommendation on effective management of the e-bank technologies. Thus, this study focused on networking problem, perceived risk, perceived usefulness and customer awareness about technologies as a major factor and identify which factors have more influence and how the bank manage this factor. The study is descriptive and used primary data collected through a self-administered questionnaire with closed and open-ended structured questions. Student researchers would have taken a sample of 2016 from a total population of 10652 e-bank users by using convenience sampling. The data was analyzed using SPSS and the outcome was presented using percentage, frequency and mean. The finding of the study shows that networking problem is the major challenge for customer to use e-banking. Moreover, users have low perceived risk, higher perceived usefulness and knowledge about the technology’s usage. The researchers recommended that the bank should work on networking infrastructures development for better improvement of networking system