Factors Influencing the Usage of Mobile Banking Service Technology: A Case in the Commercial Bank of Ethiopia Harar City Branches

The purpose of this study is to investigate the factors influencing the usage of mobile banking service technology by a commercial bank in Ethiopia, Harar city. This study uses the TAM model to look at factors that influence how people use mobile banking services in a commercial bank in Harar, Ethiopia. It includes factors like how useful people find it, how easy they think it is to use, the risk they feel about security or privacy, how much they trust it, and how aware they are as important elements. The study employed a quantitative approach with both explanatory and descriptive research designs. This study was conducted on the basis of information acquired from clients of the commercial bank of Ethiopia's five branches in the city of Harar. A survey was conducted via a questionnaire; 385 of the 400 issued surveys were used. The data was analyzed with SPSS version 20. The research results revealed that perceived usefulness, perceived ease of use, and perceived awareness had a significant positive effect on mobile banking usage and that major factors influencing mobile banking perceived trust had a significant negative effect on mobile banking usage, while it was found that perceived risk had no significant negative effect on mobile banking users in Harar. The study suggests that banks should make their mobile banking services as simple and easy to use as possible so customers do not find them complicated or hard to use.