期刊名称：The Journal of Sustainable Development in Africa (JSDA)
电子版ISSN：1520-5509
出版年度：2013
卷号：15
期号：6
出版社：Institute of Sustainable Development in Africa
摘要：This paper reports on the findings of a research that was conducted in Harare to determine the socio -demographic factors that influence internet banking adoption. The study was triggered by the fact that most banks had introd uced internet banking for the benefit of both the customers and the bank but adoption of the technology had remained lo w. It is worth noting that the adoption of internet banking and other technologies is paramount for sustainable economic growth and development of an economy. Whilst earlier researches established factors that influence internet adoption such as ease of use, security concerns, resistance to change and accessibility among others, there was need to factor in the effects of demographics in the stud y. The research hypothesised that there was a relationship between internet banking adoption and educational level, occup ation, age and income. Data was collected from 335 commercial bank customers using questionnaires. Data was analysed using Chi square tests generated from SPSS version 12 and Microsoft excel. Findings of the research supported the hypotheses, supporting the view that indeed age, occupation, income, gender and educational level had positive relationships with internet banking adoption. The study recommended bankers to tailor make their marketing efforts towards the middle aged, high income earners, the educated and the employed
