Abstract

NKOYI, Anele; TAIT, Madele  and  VAN DER WALT, Freda. Predicting the attitude towards electronic banking continued usage intentions among rural banking customers in South Africa. SAJIM (Online) [online]. 2019, vol.21, n.1, pp.1-8. ISSN 1560-683X.  http://dx.doi.org/10.4102/sajim.v21i1.1016.

BACKGROUND: The proliferation of electronic banking has revolutionised the delivery of financial services across the globe. E-banking services offer substantial benefits, such as reduced costs to transact, convenience and flexibility. Despite the considerable penetration of e-banking in South Africa, it remains unclear whether customers are willing to continue using these services, particularly given the safety concerns, because of the high incidence of cybercrime. OBJECTIVES: Owing to the paucity of research on customers' attitude towards continued usage intentions of e-banking services, the aim of this study is to investigate the formation of attitude towards e-banking continued usage intentions among rural banking customers. METHOD: The study was underpinned by a positivist paradigm, and a descriptive design was employed. Primary data were collected by means of self-administered questionnaires, which yielded 139 valid responses. Regression analysis was utilised during the analysis for hypothesis testing. RESULTS: The results revealed that e-banking attitude is mainly driven by perceived ease of use and perceived usefulness. Furthermore, the results showed that e-banking attitude strongly predicts continued usage intentions. CONCLUSION: The empirical evidence presented in this study adds value to the existing research on e-banking, particularly in the context of rural banking customers, an area which is largely under-researched in South Africa.

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