Journal of International Business Research (Print ISSN: 1544-0222; Online ISSN: 1544-0230 )

Editorials: 2021 Vol: 20 Issue: 3


Yassine Rachadi, University of Calgary


This study was geared toward assessing the activity intention to use net banking among bank customers. The study adopted the survey analysis style supported quantitative approach. knowledge was collected from 406 bank customers in Bauchi and Gombe states, North-east African nation exploitation the convenience sampling technique. Structured form was used as instrument for knowledge assortment and 403 responses were retrieved back and located fit the analysis. The collected form was analysed exploitation multiple correlation. The results of the analysis disclosed that performance expectancy, effort expectancy, social influence and responsibleness have vital positive impact on the activity intention to use net banking service. The study so terminated that, banks that will increase the adoption rate of their net banking platforms ought to focus a lot of on creating it straightforward for users/customers to use and therefore the net banking service ought to targeted a lot of on providing advantages to customers. additionally, promoting communications mustn't overlook the vital role of role models and peers that influence intention selections of consumers.


Security could be a vital concern and a primary deterrent to use technology- based mostly services. Trust, risk and security specifically ought to be essential extra variables to think about in measurement technology acceptance, particularly as they relate to payment and privacy connected analysis. to just accept that technology-based services like net banking has gained acceptance in an exceedingly developing country like African nation, the protection considerations of Nigerian customers ought to be properly measured. Service suppliers ought to be seen to maintaining the confidentiality of operation, refrain from sharing personal info and making certain an honest level of security for the customers’ info a lot of targeted on different service sectors totally different from retail banking what is more, the search and review of connected literature disclosed that almost all of the studies conducted on net banking were in countries just like the USA, the UK, Saunders, (2016) European country and Asian nation, with few empirical studies on the topic conducted in developing countries like African nation. Given the distinction in orientation, economy, social conditions and cultural values among customers across the nations, it's probable that the activity responses of customers in developing countries like African nation are going to be totally different from those of different developed countries just like the USA, Great Britain and China. In light-weight of the few and restricted studies on the determinants of customers’ activity intention to use net banking in African nation, security problems and responsibleness of technology-based services because it affects customers activity intention to use of net banking services of economic banks in developing countries like African nation, this study tries to fill the determined gap Ghasemi & Zahediasl, (2012).

Internet banking is outlined as a facility that enables customers of an establishment financial to conduct money group action on a secured web site operated by the institution, which might be a retail or virtual bank, bank or savings and loan association. It may also be outlined as a facility provided by banking and institution that permits the user to execute bank connected transactions through net. net Banking Services is that the customers’ ability to access their bank accounts and complete all their banking transactions through bank websites while not the requirement for a physical presence in physical places of the bank. Venkatesh & Zhang, (2010). African nation as a rustic has joined the League of states grip the technology, however, the adoption is low. Kettinger & Lee, (2005). Most Banks in African nation have deployed it in their thought operation however the acceptableness by customers has not been clearly verified. The financial institution of African nation on the opposite hand Gujarati, (2009) because the apex institution within the Country has conjointly champion a cashless economy, that has crystal rectifier to a revived interest during this extraordinary however security- vulnerable technology.


  1. Venkatesh, V., & Zhang, X. (2010). Unified theory of acceptance and use of technology: US vs. China. Journal of global information technology management, 13(1), 5-27.
  2. Kettinger, W.J., & Lee, C.C. (2005). Zones of tolerance: Alternative scales of measuring information systems service quality. MIS Quarterly, 29, 607-623.
  3. Saunders, M., Lewis, P., and Thornhill, A. (2016). Research methods for business students (Vol. Seventh). Harlow: Pearson Education.
  4. Ghasemi, A., & Zahediasl, S. (2012). Normality tests for statistical analysis: a guide for non-statisticians. International journal of endocrinology and metabolism, 10(2), 486-497.
  5. Gujarati, D. N. (2009). Basic econometrics. Tata McGraw-Hill Education
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