Determinants of Internet Banking Adoption of Customers in Commercial Bank of Ethiopia In Case of Dilla Town Branches

This study investigates the factors affecting the internet banking adoption of customers in<br> Commercial Bank of Ethiopia, Dilla town branches. The researcher mainly uses a<br> quantitative research approach with explanatory research design. The primary data<br> gathered from the selected Dilla town branches customer using closed-ended questioners. A<br> total of 400 questioners were distributed and about 365 usable response collected making the<br> response rate 91.25%. Multiple linear regression model is used to investigate the<br> relationship between dependent variable internet banking adoption and the independent<br> variables; education, awareness of service, security, income, perceived ease of use and<br> quality of internet. The descriptive statistics show that there a strong association between the<br> factors identified and internet banking adoption. The regression result show that customer’s<br> education level, awareness about bank services and security issues related to internet baking<br> has a statistically significant effect on banks internet banking adoption. Security issues<br> negatively affect the internet banking adaption while education and awareness positively<br> affect it. The study shows that there is no statistically significant effect of income level,<br> perceived easy of use, and internet quality on internet banking adoption of Commercial bank<br> of Ethiopia, Dilla Town branches.. Banks must improve, update, and add new features to<br> their digital banking services by closely monitoring the state of peer banks and international<br> banks, which can help consumers with their banking needs and offer value to the bank.