Abstract:
The main objective of this study is to analyze determinates of e-banking service adoption
among commercial banks in Ethiopia from the customers perspective. In the case of four
selected banks from Debre berhan town. The selected are (Ethiopian commercial bank,
Dashen bank, united bank and Abay bank). The variables are chosen based on findings from
the previous literatures. In order to achieve the objective of this study and answer the
research questions. The researcher use descriptive and explanatory research design. A
sample of 398 customers having account from selected banks and used interview question for
selected branch manager. This study was to examine to what extent the independent variable
(from demographic factor (age and educational level) from technological factor (Perceived
usefulness and ease of use), trust, awareness and subjective norm) have an effect on
dependent variable (customer e-banking adoption). Therefore, the study used liner regression
equation and Pearson Correlation Analysis by using SPSS version 25 software. A researcher
used the technology acceptance model (TAM) and diffusion of innovation theory to develop
research framework. From the linear regression result the researcher identify that
educational level, perceive ease of use. Perceive usefulness, trust and awareness have positive
and significant effect on customer e-banking adoption. However, age and subjective norm
have negative and significant effect on customer e-banking adoption and also the interview
result also support the independent factors that significantly determine customer e- banking
adoption. These results suggest that banks in Ethiopia should create trust and awareness to
their customers with regard to the ease of use and usefulness of e-banking service. In
addition, the study presents the recommendations and suggestion for further research to
address the barriers to electronic banking adoption faced by customers of Ethiopia's
Commotional Bank.
