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- W2183687229 abstract "The study investigated the adoption and usage of e- banking and determined the categories of those who use ATM, how often they use them and for what transaction. It also addressed the problems and challenges users have with ATM. In addition, it investigated why some still refuse to use ATM. The sample for the study was drawn from Obafemi Awolowo University Ile-Ife community. Three hundred participants were selected through stratified sampling technique based on gender, age and status. A 25 item questionnaire was developed and used to collect information from the sample. It contained information on the demographic data, level of adoption, factors that encouraged adoption and factors that inhibited the adoption and usage of ATM .The results showed that: 69% of the sample used ATM. While staff of Obafemi Awolowo University, Ile-Ife use ATM more than other categories of the sample(X 2= 20.699 df =4, p<0.05). It was also revealed that ATM is a relatively new innovation in the country (less than 4 years). The likelihood factors responsible for the adoption of ATM were: Government desire to encourage ATM (X 2 c= 48.91 df=4, p < 0.01), it is safer and more reliable than traditional banking.Other reasons for not adopting ATM were (i) internet fraud ( Xmean= 1.010.2) cultural beliefs and misconception (Xmean = 1.0204), lack of skill to operate it(Xmean=1.2188) frustration, pains and bad experience reported about ATM (X MEAN = 1.2258) While the last factor was discrimination against ATM issued in Nigeria (Xmean= 1.2419). The problems and challenges faced by people in the use of ATM included: inadequate facilities/power (Xmean= 1.0034), low information dissemination at the grass root (Xmean=1.0068), misconception and culture (Xmean=1.0204)." @default.
- W2183687229 created "2016-06-24" @default.
- W2183687229 creator A5033633588 @default.
- W2183687229 date "2011-01-01" @default.
- W2183687229 modified "2023-09-27" @default.
- W2183687229 title "The Adoption of Automated Teller Machine in Ile- Ife, Osun State: Factors, Rate, Problems and Challenges" @default.
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