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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

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posted on 2020-12-03, 18:37 authored by Minyahil AssefaMinyahil Assefa
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.


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Corresponding author email

Lead author country

  • Ethiopia

Lead author job role

  • Higher Education Lecturer

Lead author institution

Jigjiga University

Human Participants

  • No


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