On the determinants, gains and challenges of electronic banking adoption in Nigeria
On the determinants, gains and challenges of electronic banking adoption in Nigeria
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尼日利亚采用电子银行的决定因素、收益和挑战
DOI：
10.1108/ijse-07-2020-0452
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发表时间：
2021
影响因子：
1.9
通讯作者：
ADUBA Joseph Jr.
中科院分区：
文献类型：
--
作者：
Yoshihiro Takadate;Tatsunari Kondoh;Manabu Igarashi;Junki Maruyama;Rashid Manzoor;Hirohito Ogawa;Masahiro Kajihara;Wakako Furuyama;Masahiro Sato;Hiroko Miyamoto;Reiko Yoshida;Terence E. Hill;Alexander N. Freiberg;Heinz Feldmann;Andrea Marzi,;ADUBA Joseph Jr.
PurposeThe本研究的目的是探讨电子银行采用在尼日利亚的收益，挑战和决定因素。设计/方法/approachThis本文采用广义结构方程模型（GSEM）的大样本调查的受访者从五个六个地缘政治区域的尼日利亚模拟电子银行的决定因素。除了许多其他优点之外，GSEM还可以用作似然函数。因此，本文提出GSEM作为最合适的工具，模拟的社会经济决定因素的电子银行adoption.FindingsAbout四分之三的受访者至少采用了一种形式的电子银行。然而，只有十分之一的用户使用电子银行购买商品或服务，这意味着电子支付的采用率很低。电子支付采用率低的原因是数字安全基础设施薄弱，使用户容易受到广泛的电子欺诈。调查结果还显示，采用电子银行平台或服务的特点是用户的社会经济地位。例如，采用互联网/移动的银行的可能性随着年龄的增长而下降，但随着教育程度和收入的提高而增加，而采用短信服务（SMS）和销售点（POS）银行等电子银行平台的可能性分别随着年龄的增长和非正式就业用户而增加。有必要整合政策，提供安全的电子银行服务。此外，电子银行服务提供商应提供具体的内容和服务，匹配的物理和经济特征的users.Originality/valueGeneralized结构方程建模（GSEM）是一个强大的似然函数方法，结合了权力的结构方程建模与广义线性模型。应用GSEM来预测采用银行技术或服务的可能性在电子银行文献中还没有被探索过。此外，作为一个快速增长的经济体，人口结构复杂，尼日利亚为研究电子银行的决定因素提供了一个有趣的背景。
PurposeThe purpose of this study is to examine the gains, challenges and determinants of electronic banking adoption in Nigeria.Design/methodology/approachThis paper applied the generalized structural equation modelling (GSEM) to a large sample of respondents surveyed from five of the six geopolitical zones of Nigeria to model the determinants of electronic banking. In addition to many other advantages, GSEM can be used as a likelihood function. As a result, this paper proposes GSEM as the most appropriate tool for modelling the socioeconomic determinant of electronic banking adoption.FindingsAbout three-quarter of respondents adopted at least a form of electronic banking. However, only a tenth of users used e-banking for purchase of goods or services, implying low electronic payment adoption. The low adoption of electronic payment was due to poor digital security infrastructure which made users vulnerable to widespread electronic frauds. The findings also show that the adoption of e-banking platforms or services was characterized by users' socioeconomic status. For example, the odds of adopting internet/mobile banking decreases with older users but increase with higher educational attainment and income, whereas the odds of adopting e-banking platforms such as short message service (SMS) and point of sale (POS) banking increases with older users and informally employed users respectively.Practical implicationsFor a sustainable cashless economy and financial inclusion in Nigeria, policy consolidation that provides safe e-banking services is necessary. Also, e-banking service providers should deliver specific contents and services that match the physical and economic characteristics of users.Originality/valueGeneralized structural equation modelling (GSEM) is a robust likelihood function method that combines the power of structural equation modelling with the generalized linear model. The application of GSEM to predict the likelihood of adopting a banking technology or Service has not been explored in electronic banking literature. Also, as a fast-growing economy with a heterogeneous population, Nigeria presents an interesting context to study the determinants of electronic banking.