User's perception on the adoption of internet banking services: A case study of bank customers in Ibadan Metropolis, Nigeria

This study investigated the user’s perception on the Adoption of Internet Banking Services: a case 
study of Bank Customers in Ibadan Metropolis, Nigeria. A descriptive survey design was adopted, using a 
convenience sampling method, and the study was conducted across the five local government areas in the 
metropolis. Data were collected through a questionnaire (including an open-ended question), with 250 
copies administered and 206 retrieved, resulting in an 82.4% response rate. The analysis was conducted 
using descriptive statistics, Pearson correlation, linear regression, and multiple regression. The findings 
revealed that perceived usefulness had a significant relationship with Internet banking usage, while 
perceived ease of use did not. Most respondents were active users of Internet banking and possessed 
intermediate IT literacy, which influenced their usage. The study concluded that perceived usefulness is a 
major determinant of Internet banking adoption in the area. It is recommended that banks regularly inform 
users about new platform features and train staff to promptly address customer complaints to further 
encourage adoption among potential users.