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All Journal Innovation Business Management and Accounting Journal
Ejike Miracle Okechukwu
State University of Medical and Applied Sciences

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Determinants of Continuous Intention to Use Mobile Payment in Nigeria Ejike Miracle Okechukwu; Nwosu Kanayo Chike
Innovation Business Management and Accounting Journal Vol. 4 No. 1 (2025): January - March
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2025.011

Abstract

The upsurge in m-payment usage despite multiple challenges is unfathomable. The research aims to determine the factors influencing the continuous intention to use m-payment in Southeast, Nigeria. The survey was anchored on the diffusion of innovation, technology acceptance model, and unified theory of acceptance and use of technology. A structured questionnaire was used for data collection while standard multiple regression was used for data analysis. The study found a positive statistical influence of perceived advantage, usefulness, safety, and cost on continuous intention to use mobile payment in Southeast, Nigeria. It was recommended that financial institutions should often upgrade the m-payment system to meet the requirements of users; be more aggressive in promoting the use of m-payment in Nigeria; use safety attributes to position the payment system in the minds of users; and position m-payment as a tool for cost-effective payments.
Relationship between Electronic Banking and Customer Satisfaction: Evidence from Enugu, Nigeria Ejike Miracle Okechukwu; Nwosu Kanayo Chike; Nuel-Okoli Chinenye Maureen
Innovation Business Management and Accounting Journal Vol. 4 No. 2 (2025): April - June
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2025.023

Abstract

Extant literature has shown conflicting results on the relationship between e-banking and bank customer satisfaction. Moreover, this research area has scanty empirical evidence in Nigeria. As a result, this study examined the relationship between e-banking and customer satisfaction in Enugu, Nigeria. The research was anchored on Davis’ (1989) technology acceptance model. The study population comprises 1,004,132 adult bank customers. A sample of 400 customers was determined using Yamane’s formula. The survey utilized convenience sampling to select participants who had used the e-banking tools. The research data were collected and analyzed using a structured questionnaire and Pearson Product-moment Correlation technique. The survey determined a positive correlation among Internet banking, ATM, POS, mobile banking, and customer satisfaction. The management of banks was advised to conduct period security checks on the firm’s websites; monitor and update ATMs at regular intervals; standardize POS service operations and charges for banks and independent operators; and deploy user-friendly mobile Apps for effective service delivery.
Co-Authors Nuel-Okoli Chinenye Maureen Nwosu Kanayo Chike Nwosu Kanayo Chike