ASSESSING THE ADOPTION OF ELECTRONIC BANKING INNOVATION AND PERFORMANCE

  • Emmanuel Tapera. , Jilson Zimuto

Abstract

Purpose – Drawing on Technology Acceptance Model (TAM) and Information
Diffusion Theory (IDT) on the adoption of electronic banking innovation, this study
sought to assess the adoption of electronic banking innovation and its impact on
performance. The research considered the effects of perceived ease-of-use, perceived
usefulness and compatibility of the CBZ platforms. Design/methodology/approach –
The research utilised a deductive research approach and quantitatively tested the
hypotheses using 224 CBZ employees. Data were computed and analysed using SPSS
version 23. Findings – The findings concluded that there are significant relationships
among the variables and that perceived ease-of-use, perceived usefulness and
compatibility positively affect the adoption of electronic banking innovation. The
positive effects also significantly impact bank performance. Practical implications –
This study recommends that CBZ should consider embracing a learning organisation
culture as well as inculcating an innovation philosophy within the bank. The bank
should also invest in training and innovation to safeguard against redundancy of its
platforms. Originality/value/contribution – This study added to the existing literature
that technological innovation in the banking industry is not an option these days.

Published
2020-10-03
Section
Articles