Attitudes, Subjective Norms, Perceived Behavioral Control and Adoption of Agency Banking Among Market Vendors in Mbarara City

This study examined the attitudes, subjective norms, perceived behavioral control, and adoption of agencybanking among market vendors in Mbarara City. A cross-sectional survey design was employed, with datacollected at a specific point in time. Given the nature of the research objectives, correlation analysis wasperformed to test associations between the study variables, while hierarchical regression analysis was used totest both the individual and combined predictive power of attitudes, subjective norms, and perceivedbehavioral control on the adoption of agency banking. Data were analyzed using SPSS. The study resultsshow that attitudes have a positive and significant relationship with the adoption of agency banking.Subjective norms also have a positive and significant relationship with the adoption of agency banking.Perceived behavioral control similarly has a positive and significant relationship with the adoption of agencybanking. The variable "attitudes" was found to explain 12.1% of the variation in the adoption of agencybanking, while subjective norms explained 7% of the variation, and perceived behavioral control explained13.1% of the variation in adoption. The results also show that attitudes, subjective norms, and perceivedbehavioral control combined explain 32.2% of the variation in the adoption of agency banking. The studyrecommends that the security and convenience of transactions be ensured to improve users' attitudes.