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：8
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 introduced internet banking for the benefit of both the customers and the bank but ad option of the technology had remained lo w. It is worth noting that the adoption of internet bankin g and other technologies is paramount for sustainable econo mic 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 study. 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, inco me, 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 ed ucated and the employed
