INFLUENCE OF TECHNOLOGY ACCEPTANCE MODEL (TAM) ON CUSTOMER ADOPTION OF E-BANKING PRACTICE IN LAGOS STATE
INFLUENCE OF TECHNOLOGY ACCEPTANCE MODEL (TAM) ON CUSTOMER ADOPTION OF E-BANKING PRACTICE IN LAGOS STATE

Summary/Abstract: This study was put together to examine the influence of TAM (Technology Acceptance Model) extension model on customer adoption of e-banking practice in Lagos state. Furthermore, to capture the extended model four (4) elements of innovation characteristics namely innovation relative advantage, innovation complexity, innovation compatibility and innovation information were added into original TAM model to determine their relationship with customer adoption. The study utilized descriptive research design and collected data through cross-sectional survey method. Validated questionnaires of four hundred copies were given to the needed respondents and the data collected were analyzed using both descriptive and inferential statistical tools. Results revealed a substantial relationship between the dimensions of TAM extension model and customer adoption. The study recommends that an innovation will do very well if the innovation is made to capture all the variables investigated in this study to ensure rapid diffusion/adoption of the innovation for the whole process to be successful.

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