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- No of Pages: 70

- No of Chapters: 05

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Introduction:

Abstract

ABSTRACT

In recent times, electronic banking has spread rapidly all over the globe. The world has also witnessed an upsurge of electronic payment instruments meant to facilitate trade and simplify payments. The introduction of the cashless policy in Nigeria demands for electronic banking. This study assessed the determinants of customers’ trust in electronic banking services in Nigeria. It specifically examined how perceived usefulness, perceived security and perceived privacy influence customers’ trust in e-banking services. A survey research design was used to administer questionnaire on customers of four different banks namely Zenith Bank Plc., United Bank for Africa (UBA), Guaranty Trust Bank (GTB) and First Bank of Nigeria Plc. Regression analysis was employed for the purpose of data analysis. The result revealed that customers’ trust in e-banking services depends on the perceived usefulness, perceived security and perceived privacy. Altogether, 84% of any change in customers’ trust was found to be as a result of the three variables and all variables were found to be significant at 5% level. Thus, banks should try to win customers’ trust by providing adequate security of transactions. Apart from committing more resources in upgrading the e-banking services, there is also an attendant need for the banks to invest in creating customer awareness on the existence of other value adding e-banking services for customers’ utilization (perceived usefulness).

Table of Content

Table Of Contents

1.0 Introduction..............1

Introduction

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