E-Services Technology Based Influence on Banking Users

The purpose of the study is to investigate the electronic based e-service channel on banking users. Focus is given to some selected banking service channels, in this context, the service channel are speed of delivery, convenience, efficiency, reliability & security are considered as service based technology channels. The methodology approach employed was the survey questionnaire administered to the respective users of the banking channels. Five hypotheses were formulated and tested using the Structural Equation Modeling-Partial Least Square (SEM-PLS). A survey of 248 valid questionnaire instruments, were collected from the customers of e-service banking users within Yola metropolis. Data obtained from the customers were analyzed using the SEM-PLS to determine the reliability and validity of the model. Besides, path coefficient and the degree of Influence on banks users were investigated. The findings indicate significant influence on banking users which can be categories as Small, Medium and Large Influence. The paper contributed to both theory & practice, the research developed a model, tested with a data obtained from e-banking users which enable the financial sector know the services they deliver to their customers