n Journal of Strategic Studies : A Journal of the Southern Bureau of Strategic Studies Trust - An empirical analysis of the factors influencing the adoption of e-banking in Zimbabwe

Volume 9 Number 1
  • ISSN : 2076-6645
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Technological advancement has changed banking in the world. This has been increased by e-banking which created a one-stop centre for all banking products and services. Zimbabwe like any other countries has adopted e-banking but at protracted pace. The slow pace in the adoption of e-banking services necessitated this study of main factors which affects the adoption of e-banking in Zimbabwe. The aim of this paper is to identify the factors that affect e-banking in Zimbabwe. The study applied the Technological Adaption Model (TAM) to test questionnaires. The study was conducted in Harare Central Business District (CBD), Harare high and low-density area using a sample of 150 participants. Non-Probability sampling technique of random method was applied. Data were analyzed using Statistical Package for Social Science (SPSS) Version 23. The study employed also Cronbach’s alpha reliability test to check the validity and reliability of data. Findings of the study indicated that education, income, demographic factors such as age, perceived usefulness, risk and trust influenced the adoption of e-banking. The biggest challenges identified were network failure, technical difficulties during transactions among others.

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