Factors Influencing Intention to Adopt Internet Banking by Postgraduate Students of the University of Ibadan, Nigeria
Bibliographic record
Abstract
This study examines the factors influencing intention to adopt internet banking by postgraduate students of the University of Ibadan Nigeria. The study adopted the Technology Acceptance Model and Theory of Planned Behaviour as the theoretical framework. The survey instrument employed involved design and administration of a total of 522 survey questionnaires within the University. The results of the study reveal no significant relationship between demographic characteristics of the students and intention to adopt internet banking, while the individual factors (attitude, trust, perceived usefulness, perceived ease of use and perceived behavioural control), and social factor (subjective norms) significantly influenced intention of the students to adoption internet banking. The study concludes that even though some students are yet to adopt the use of internet banking, their attitude towards online banking is favourable. It is therefore recommended that banks should intensify efforts to improve the security of online banking platform as well as continue to educate their customers on the perceived benefits of internet banking in addition to making the platform more user-friendly and easy to use.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.002 | 0.001 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".