An Empirical Evaluation of the Effects of Gender Differences and Self-Efficacy in the Adoption of E-Banking in Nigeria:udA Modified Technology Acceptance Model

摘要

The issues of gender disparity in the usage of information technology (IT), as well as self-efficacy, haveudreceived considerable interest and attention among researchers in recent times. Prior research hasudidentified that gender differences and self-efficiency affect the attitude towards adoption and use of technology.udIn general, females are believed to be disadvantaged compared to their male counterparts withudrespect to IT usage and acceptance. The reasoning is that males are mostly more exposed to technologyudand tend to have more proficiency with such tools. Very little information exists in the extant literatureudregarding perceptions in developing parts of the world, including Africa. In this chapter, an empiricaludevaluation of the issues in the context of e-banking will be made in Lagos (Nigeria) and its environs.udAn extended Technology Acceptance Model (TAM) will be used as a conceptual framework to guide theuddiscourse. Data analysis was done on SPSS 15.0. The study’s results showed that gender differencesudmoderated the acceptance of e-banking of users in the research context. Namely, computer self efficacyudand perceived ease of use were of concerns to females, but less so for their male counterparts. Also,udperceived usefulness of e-banking is discovered to be the most influencing factor for male users. Theudstudy’s implications for research and practice are discussed in the chapter.