College of Business and Economics

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    FACTORS INFLUENCING THE USAGE OF MOBILE BANKING (IN THE CASE OF COMMERCIAL BANK OF ETHIOPIA ARADA DISTRICT ADDIS ABABA)
    (Mekelle University, 2025-06-28) Meron Wogayehou
    The primary objective of the study was to analyze the Factors Influencing the Usage of Mobile Banking in The Commercial Bank of Ethiopia at Arada district Addis Ababa. The researcher used an explanatory research design and a quantitative approach. A convenience sample of the population was taken as part of the study. A total of 385 questionnaires were distributed and (95.58%) 368 of them collected. The data were analyzed using inferential and descriptive methods. The result of the descriptive statistics revealed that the perception of the customers to ward mobile banking was influenced by Perceived Usefulness, Perceived Ease of Use, Compatibility, Perceived Trust and Awareness, however From the findings of descriptive analysis, it can be noted that majority of the respondents agreed that Compatibility have highly positive effect on usage of mobile banking compared to the others variable. The inferential analysis of multi-collinearity The VIF values for perceived usefulness, perceived ease of use, compatibility, perceived trust and awareness, and value for each independent variable tolerance is greater than 0.1 and the variance inflation factor was less than 10, Indicating that there is no interdependence among independent variables. As a result, the investigation meets there is no Multi collinearity. The correlation the coefficient of correlation (r) between all variables are positively correlated with values (0.618, 0.708,0.517, 0.679, and 0.771) respectively awareness having the highest correlation coefficient (r=0.771) that means awareness have high positive effect on usage of mobile banking and Compatibility having the lowest correlation coefficient (r= 0.517).The linear combination of According to the regression analysis shown in the above table, awareness affects mobile banking adoption with a beta weight of 0.394, which means that the independent variables greatly affect the dependent variable, which is awareness. Perceived Usefulness, Perceived Ease of Use, Compatibility, and Perceived Trust affect mobile banking adoption at 0.132,0.159, 0.207, and 0.176, respectively. Lastly Multiple regression analysis result show that 72.4% of the variation in the usage of mobile banking have strong positive relationship with Perceived Usefulness, Perceived Ease of Use, Compatibility, Perceived Trust, and Awareness. The remaining 27.6 % were other factors that limit mobile banking adoption in CBE. Based on the above finding the researcher has recommended CBE, compatibility on the inclusion of "clarity of interaction" as a potential enhancement suggests that the user interface should be reviewed and possibly redesigned. Implementing user-centered design concepts, conducting usability testing, and getting consumer feedback on the app's navigation and features can result in a more intuitive and smooth experience, enhancing user confidence and should create awareness USSD usage training, in-app tutorials, social media marketing, and collaborations with local celebrities to promote the specific benefits of mobile banking.