Determinants Of Adoption Of Electronic Banking Among The Commercial Banks Staff

Abstract

Internet banking entails the use of internet as a channel for banking services which includes all traditional services such as balance enquiry, printing statement, funds transfer and bill payment. Though large number of people make use of internet in their day to day activities, it’s seen that internet use in banking has remained low a scenario attributed to various factors. The Purpose of this study was therefore to establish the determinants of electronic banking adoption among the commercial banks staff, a case of commercial banks, Kisii County Kenya where the objectives of the study were; to establish the extent to which relevance influence adoption of electronic banking among the commercial banks staff in Kisii county, to examine the extent to which bank marketing strategies influence adoption of electronic banking among the commercial banks staff in Kisii county, assessing how bank culture influence adoption of electronic banking among the commercial banks staff in Kisii county, to establish the extent to which ease of use influence adoption of electronic banking among the commercial banks staff in Kisii county and the extent to which socio- demographic factors influence adoption of electronic banking among the commercial banks staff in Kisii county . The theory upon which the study was grounded was the Davis’s Technology Acceptance Model. The study involved descriptive research design in order to extract data from the target population of 700 and with a sample size of 248 respondents whereby both purposive and simple random sampling techniques were used to select the respondents who aided in data collection. The study also involved questionnaires and interview schedules in order to obtain data whose validity and reliability was established through the results of the pilot study, through focusing on the objectives of the study and carrying out a pre-test among few staff in the county by issuing questionnaires to the informants twice but within an interval of two weeks after which results were recorded and correlated to determine the level of consistency using Pearson’s product moment formula for test-retest. The quantitative data collected was analyzed by categorizing it into themes that met the objectives of the study and then coding them for ease of analysis using the Statistical Package for Social Sciences (SPSS) through running frequencies, percentages and presenting it in form of frequency distribution tables, while qualitative data was analyzed by involving thematic frameworks that coded data into themes. Results of the study indicated that determinants of e-banking adoption in context influenced e-banking adoption that is relevance of e-banking, ease of use, banks marketing strategy, socio-demographic factors and bank culture. The recommendation of the study includes, increased banks consistency of staff training sessions, going slow on paperwork, working to change staff attitude, putting into considerations specific courses undertaken by staff at tertiary levels and lowering cost of doing transactions by e-banking. The study suggests that further studies should be conducted to establish which courses are capable of producing staff who are ready to take up new systems introduced and also suggests a study involving quantitative methods to be conducted to allow results to be generalized and made more replicable.