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adoption of BBS_extension of TAM prepret.pdf (558.15 kB)
Adoption of branchless banking system as part of inclusive financial services: extension of Technology acceptance model
The present study has extended the original
technology acceptance model by adding sociocultural factors, facilitating
conditions (FC), and trust constructs. The result confirmed that FC (the
existence of local agents and government guaranty on banking transaction)
directly affects an individual’s trust in BBS that leads to system adoption.
The study also found that the effect of sociocultural factors on perceived
usefulness is more substantial than its effect on perceived ease of use. Thus, the
present study suggested that any elegant branchless banking system has no
acceptance if it is not designed to align with the socio-cultural values of the
users, specifically to their religion.
Funding
No fundings
History
Declaration of conflicts of interest
No conflict of interestCorresponding author email
minyahil04@gmail.comLead author country
- Ethiopia
Lead author job role
- Higher Education Lecturer
Lead author institution
Jigjiga UniversityHuman Participants
- No
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