Doctoral Seminar1

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<p>AN INVESTIGATION OF FACTORS INFLUENCING CORPORATE CUSTOMERS ACCEPTANCE OF INTERNET BANKING AMONG EAST AFRICAN TRADE FINANCE CUSTOMERS</p> <p>Most significant findingsBy Onyango S. AbekaPhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA (Egerton).</p> <p>January, 2012</p> <p>Outline of Presentation The study begins with an introduction of the research area and background of the study.</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>|2</p> <p>12 March 2012</p> <p>CHAPTER ONE Chapter 1 introduces use of the Internet in East African Internet banking in East Africa, Trade Finance as a banking and business area, and finally Internet banking and its role in Trade Finance. Furthermore, the first chapter describes the objective of the study, hence what is the purpose of the research and what are the limitations that need to be taken into account.PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) |3 12 March 2012</p> <p>Hypotheses Perceived Usefulness positively influences use of Trade Finance Internet Services in East Africa. Perceived Ease of Use positively influences use of Trade Finance Internet Services in East Africa. Organizational Support positively influences use of Trade Finance Internet Services in East Africa. Bank Support positively influences use of Trade Finance Internet Services in East Africa.PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) |4 12 March 2012</p> <p> Justification for research The primary benefit of this study is as a contribution to knowledge in the areas of internet banking within corporate customers. The research contributes to the limited number of empirical researches on Corporate Customers Usage Of Internet Banking In East Africa and finally, It contributes value and input to the pull of the already existing knowledge by confirming theories that exist and making recommendation to the new facts.PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) |5 12 March 2012</p> <p>CHAPTER TWO Chapter 2 is all about presenting previous research done on the stream of studies related to user acceptance and adoption of technology. The chapter explains the history and development of Technology Acceptance Model, and how it is used in various contexts. In more detail it deals with the user acceptance and adoption of technology related to Internet Banking, and presents the state of art of the research at the moment.|6</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>12 March 2012</p> <p>CHAPTER TWO The findings introduced in this chapter work as a basis for the research and development of the model and construction of the hypothesis. All of those are discussed in chapter 3.</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>|7</p> <p>12 March 2012</p> <p>CHAPTER THREE Chapter 3 is about building the research model and constructing the hypothesis based on the previous research presented in chapter 2. This chapter concentrates on explaining each variable in the model, and reasons for choosing them are included in the research model.</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>|8</p> <p>12 March 2012</p> <p>CHAPTER THREE After presenting the model, the chapter explains the empirical part of the study. This part discusses the method for collecting data used to test the hypothesis, and it analyses the data received; its validity, reliability and generalizability. </p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>|9</p> <p>12 March 2012</p> <p> METHODOLOGY 1. Design Basically exploratory, survey and descriptive design</p> <p>2. Methods UsedQualitative and quantitative methods through the use of Questionnaires. a) Qualitative; show real experience neccessary in analysis of related aspects b) Quantitative; information driven and gives actual picture.PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) | 10 12 March 2012</p> <p>Questionnaire questions for hypothesis testing FACTOR Perceived usefulness Perceived ease of use VARIABLEPU</p> <p>HYPOTHESISH1</p> <p>SURVEY QUESTIONI find / I think I would find TFIS useful in conducting Trade Finance banking transactions a) I find / I think I would find it easy to do what I want to in TFIS b) I find / I think I would find TFIS easy to use a) It is / would be important for me to have someone else in my organization to help out in case of non-technical* problems with TFIS</p> <p>PEOU_1</p> <p>H2</p> <p>PEOU_2 OSU_1</p> <p>H2 H3</p> <p>Organizational supportOSU_2 H3</p> <p>b) It is / would be important for me to have someone else in my organization to help out in case of technical** problems with TFIS</p> <p>Bank support</p> <p>BSU_1</p> <p>H4</p> <p>a) It is / would be important for me to have someone to help out in the bank in case of nontechnical* problems with TFIS b) It is / would be important for me to have someone to help out in the bank in case of technical** problems with TFIS</p> <p>BSU_2</p> <p>H4</p> <p>* Non-Technical problem could be for example creating a template, finding a deal via Inquiry, etc) **Technical problem could be for example getting an error message or being logged out in the middle of a transaction PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 11</p> <p>12 March 2012</p> <p>Sample Size</p> <p>NATION Rwanda Uganda Tanzania Kenya Total</p> <p>SENT 81 166 174 51 474</p> <p>RECEIVED 17 58 38 24 137</p> <p>% 20.99 34.94 21.84 47.06 29.03</p> <p>(Source: researcher, 2010)</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 12</p> <p>12 March 2012</p> <p> Data Analysis Method Regression Analysis; fits well for hypothesis testing and analysis of how independent variables can be used to predict a dependent variable Correlation Analysis ( Pearson product moment)</p> <p>(Source: researcher, 2010)</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 13</p> <p>12 March 2012</p> <p>Pearson correlation 0.10 to 0.29 or -0.10 to -0.29 0.30 to 0.49 or -0.30 to -0.49 0.50 to 1.0 or -0.50 to -1.0</p> <p>Relationship Small Medium Large</p> <p>Note, that the negative sign is only referring to the direction of the relationship, not the strength of the relationship. (Pallant, 2001 ref. Cohen, 1988)PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) | 14 12 March 2012</p> <p> ANOVA; To determine the statistical significance of the correlations between the selected variables. P- value of the F- test; level of association between the dependent and independent variables in the model. When; P- value&lt; 0.05 - Statistical Significant association between dependent and independent variables. P- value= 0.10 Weak significant association P- value&gt; 0.10 Not Statistically SignificantPhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) | 15 12 March 2012</p> <p>CHAPTER FOUR Presentation and Analysis of Findings Chapter 4 represents the empirical results of the survey, hypothesis testing, and overall analysis of the research. The results of statistical analysis, which contains regression analysis, correlation analysis, and t-tests, can also be found from chapter 4.</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 16</p> <p>12 March 2012</p> <p>Response statistics per country</p> <p>NATION</p> <p>SENT</p> <p>RECEIVED</p> <p>%</p> <p>VALID</p> <p>%</p> <p>Rwanda Uganda</p> <p>81 166</p> <p>17 58</p> <p>20.99 34.94</p> <p>14 55</p> <p>17.28 33.13</p> <p>TanzaniaKenyaSource (researcher, 2010)</p> <p>17451 474</p> <p>3824 137| 17</p> <p>21.8447.06 29.03</p> <p>2524 118</p> <p>14.3747.06 2512 March 2012</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>Total</p> <p>Use of the system</p> <p>Usage</p> <p>Frequency (%)</p> <p>Dont Use and WontDont Use but will UsersSource (Researcher, 2010)</p> <p>37 90</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 18</p> <p>12 March 2012</p> <p>T- Tests Conducted to compare the scores for each of the variables between; Users and Non Users, Females and Males, Older and Younger and between those with higher and lower education</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 19</p> <p>12 March 2012</p> <p>T-tests between users and non-users</p> <p>Mean</p> <p>Levene's Test for Equality of VariancesUser 4.27 3.97 4.01 2.63 2.96 4.56 4.54 F 1.445 0.197 0.074 0.080 0.171 0.987 1.143 Sig. 0.232 0.658 0.786 0.777 0.680 0.323 0.287</p> <p>t-test for Equality of MeansSig. (2-tailed) 0.555 0.185 0.011 0.688 0.582 0.001 0.000</p> <p>Non-user PU PEOU_1 PEOU_2 OSU_1 OSU_2 BSU_1 BSU_2 4.10 3.56 3.22 2.80 3.20 3.83 3.55</p> <p>PhD (MIS) cand, assumedBSc Comp. Eng.(KIU), CCNA, MBA (IT), are used. CCA(Egerton)</p> <p>* F-value for Equal variances assumed was lower than 0.05. Therefore values for equal variances not| 20 12 March 2012</p> <p> As can be seen from the table above; Both users and non-users find the system useful. For Non-users; organisational support is more important. The only variables that are statistically significant between users and non users are PEOU_2 and BSU_1 and BSU_2 (p&lt; 0.05). These three are all scored higher among the users. The finding about bank support is also in line with the regression analysis results for the adjusted model.PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton) | 21 12 March 2012</p> <p>Differences between females and malesMean Levene's Test for Equality of Variances t-test for Equality of Means Sig. (2- tailed)</p> <p>Female</p> <p>Male</p> <p>F</p> <p>Sig.</p> <p>PU PEOU_1</p> <p>4.29 4.10</p> <p>4.18 3.53</p> <p>1.036 0.896</p> <p>0.311 0.346</p> <p>0.561 0.002</p> <p>PEOU_2OSU_1 OSU_2 BSU_1 BSU_2</p> <p>4.062.70 2.99 4.56 4.54</p> <p>3.652.52 2.97 4.29 4.21</p> <p>0.8662.396 0.491 2.643 3.263</p> <p>0.3540.124 0.485 0.107 0.074</p> <p>0.0270.503 0.942 0.077 0.049</p> <p>PhD (MIS) cand, MBA (IT), BSc Comp. Eng.(KIU), CCNA, CCA(Egerton)</p> <p>| 22</p> <p>12 March 2012</p> <p> Based on the T-test results; There is statistically significant difference between the scores of males and females in Perceived Ease of Use and Bank Support. Both PEOU_1 and PEOU_2 have received higher scores by the females. Both BSU_1 and BSU_2 are statistically significant: BSU_2 somewhat more strongly (p-values</p>