Factors Affecting E- Banking Adoption in Ethiopia: from Commercial Bank Customers’ Perspective in Case Of Gondar City

Derbew Dagnew


This study aimed at identifying factors that affect E-banking adoption in Ethiopia, in case of the commercial banks in Gondar city. The study used both quantitative and qualitative (mixed) research approach with a Survey design to collect and analyze the data. Target populations of this study are customers and branch managers of the commercial banks in Gondar city. Seven commercial banks (commercial Commercial bank of Ethiopia, Dashen bank, Wegagen bank, Bank of Abbyssinia, United bank, Awash international bank and Nib international bank) where selected purposively for the purpose of the study. Primary data was collected through questionnaire and interview and Secondary data from different source such as documents and reports related with the issues of E-banking system were used in this study. 471 samples of customers were selected randomly from these selected banks and managers of the main branches of these selected banks were also interviewed to strengthen the results of the study. Collected data were analyzed using descriptive and inferential statistics. Logistic regression model was developed and employed to test the hypothesis proposed in this study. Income, computer experience, perceived usefulness, awareness, perceived ease of use and perceived security have also positive and significant effect on E-banking adoption whereas age, educational and perceived availability of infrastructure don’t have significant effect on E-banking adoption are the major findings of the study.
Key Words: Bank customers, E-banking, Ethiopia, Factors affecting E-banking adoption, technology adoption models

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ISSN : 2251-1571