It is increasingly more interesting to the bank managers to understand what is important to customers when it comes to Internet banking, and especially banking conducted by the customers themselves. Corporate customers and Internet banking has been studied very modestly in the past, and especially the decision-making factors driving customers to go online.
The purpose of this research is to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample.
Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customer acts as a foundation for building an extension of TAM suitable for corporate customers.
Due to the quantitative nature of the study, the results are analysed with statistical measures. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
Table of Contents
1.0Introduction
1.1Background of The Study
1.1.1 Trade Finance
1.1.2. Internet banking and Trade Finance
1.2Statement of the problem
1.3Purpose Of Study
1.4Objectives of the project
1.4.1 General objectives
1.4.2 Specific objectives
1.5Research Questions
1.6Research Hypothesis
1.7Scope
1.8Significance of the study
1.9Conceptual Framework
2.0 Introduction
2.1 Overview of the field
2.2 Technology Acceptance Model
2.3 Original Technology Acceptance Model
2.4 Revised Technology Acceptance Model
2.5 Technology Acceptance Model and Internet banking
2.6 Adoption of Internet banking
2.7. Research on Technology Acceptance Model in other context than Internet banking
2.8 Analyses of the state of the art
2.9 Summary
3.0 Overview
3.1 Research Design
3.2 Research population
3.3 Research Instruments
3.4 Ethical considerations
3.5 Data Analysis Methods
3.6. Validity, reliability, generalizability
3.7. Summary
4.0. Overview and structure of the chapter
4.1 Data Analysis
4.2. Respondent background
4.2.1. Gender
4.2.2. Age
4.2.3. Education
4.3. Use of the system
4.4. Regression and Pearson product-moment correlation analysis
4.4.1. Test of hypothesis 1
4.4.2. Test of hypothesis 2
4.4.3. Test of hypothesis 3
4.4.4. Test of hypothesis 4
4.5. Adjusted research model
4.6. T-tests
4.6.1. Differences between users and non-users
4.6.2. Differences between females and males
4.6.3. Differences between age groups
4.6.4. Differences between education levels
4.6.5. Differences between nationalities
4.7. Validity, reliability, generalizability
4.8. Summary
5.0. Overview of the chapter
5.1. Analysis of the contribution
5.2. Discussions, Suggestions, and Managerial Implications
5.3. Recommendation
5.4. Suggestions for further research
Research Objectives and Key Themes
The primary aim of this research is to identify the critical factors that influence the adoption of Internet banking services among corporate customers within the East African region. By applying the Technology Acceptance Model (TAM) and the Commitment-Trust Theory, the study investigates how technological factors, organizational support, and bank support impact the usage intentions and actual adoption behaviors of trade finance customers in Kenya, Uganda, Tanzania, and Rwanda.
- Influence of perceived ease of use on Internet banking adoption.
- Role of bank support in facilitating corporate Internet banking usage.
- Analysis of barriers to adoption from a corporate, rather than retail, perspective.
- Impact of cross-national demographic differences on system usage.
- Validation of technology acceptance models in an East African corporate environment.
Excerpt from the Book
1.1. Background of the study
According to Internet World Stats (2000), 5.3 % of the total world population (6,767,805,208) was using the Internet. This means that approximately 360,985,492 people all over the world were connected to each other. Today the situation is very different from that of a couple of years ago. In nine years the amount of Internet users has been increasing by 362.3% (www.internetworldstats.com). These massive figures very well reflect the scope and size of this the network. There is no other channel in the whole world bringing people so close to people, people so close to business or business so close to business than the Internet.
As expected, various industries and business areas are utilizing the Internet. Apart from connectivity, there is a great amount of other prospects coming along with it. The Internet is used to augment, or even supplant, product and service delivery processes considered as more traditional. Banking is not any different from other business areas, as banking in general is extremely information-intensive. Therefore Information technology (IT) has an increasingly important role in modern banking of any kind, especially when directly accessible by the bank’s customers.
Summary of Chapters
CHAPTER ONE: INTRODUCTION: This chapter introduces the study's background, research problem, and specific objectives regarding corporate Internet banking adoption in East Africa.
CHAPTER TWO: LITERATURE REVIEW: This section reviews existing theories such as the Technology Acceptance Model (TAM) and prior research on Internet banking adoption to establish a theoretical framework.
CHAPTER THREE: METHODOLOGY: This chapter outlines the research design, population, and instruments used for data collection, including the survey questionnaires distributed across four East African countries.
CHAPTER FOUR: PRESENTATION AND ANALYSIS OF FINDINGS: This section presents the statistical analysis of the empirical findings, testing the research hypotheses through regression and correlation techniques.
CHAPTER FIVE: DISCUSSIONS, CONCLUSIONS AND RECOMMENDATIONS: The final chapter interprets the research results, provides managerial implications for banks, and suggests directions for future academic inquiries.
Keywords
Internet Banking, Corporate Customers, Trade Finance, Technology Acceptance Model, TAM, East Africa, Bank Support, Perceived Ease of Use, Online Services, User Adoption, Corporate Banking, Quantitative Research, Statistical Analysis, Information Technology, Customer Retention.
Frequently Asked Questions
What is the core focus of this thesis?
The thesis investigates the factors that influence corporate customers—specifically those dealing with Trade Finance—to adopt Internet banking services in the East African region.
What are the primary themes examined in this research?
The key themes include the impact of perceived ease of use, bank support, perceived usefulness, and organizational support on the adoption behavior of corporate banking users.
What is the main objective of the study?
The primary goal is to identify and empirically evaluate the variables that significantly affect the intention and actual usage of Internet banking by corporate clients in Kenya, Uganda, Tanzania, and Rwanda.
Which methodology was employed for this research?
The study utilized a quantitative research design, gathering empirical data through structured questionnaires. This data was then processed using statistical tools like SPSS for regression and Pearson product-moment correlation analysis.
What does the main body of the work address?
The main body systematically reviews the Technology Acceptance Model, details the methodology for gathering data from corporate Trade Finance clients, and presents an analysis of findings that contrast corporate users with traditional retail customers.
Which keywords best characterize this work?
The study is best described by keywords such as Internet Banking, Corporate Customers, Trade Finance, Technology Acceptance Model (TAM), and East Africa.
How does this study differ from previous research in the field?
Unlike most existing studies which focus on private retail banking, this research specifically examines corporate customers and the unique barriers they face when transitioning to online platforms.
Why is "Bank Support" considered a significant finding?
The research discovered that bank support, particularly in technical troubleshooting, emerged as a statistically significant influencer for corporate customers, challenging the insignificance of other factors like Perceived Usefulness.
- Citar trabajo
- Silvance Onyango Abeka (Autor), 2009, An investigation of factors influencing corporate customers acceptance of Internet banking, Múnich, GRIN Verlag, https://www.grin.com/document/194928
