Factors influencing electronic banking continuance usage intention in developing economies: A study of Nigeria

The purpose of this study is to examine the factors that determine bank customers' satisfaction and continuance usage intention of electronic banking (e-banking). Using the expectation-confirmation model (ECM), the study developed a theoretical framework to explain how bank customers develop their satisfaction and intention to continue use the e-banking. To test the proposed model, the authors test its validity on data collected from Nigerian students in a public university. The result indicates that confirmation of expectation influences e-banking user's satisfaction. Perceived privacy and satisfaction are factors that influence user's continuance usage behaviour while perceived security and perceived privacy do not have an impact on user's satisfaction. Moreover, the study finds out that perceived security does not have an influence on continuance usage behaviour of e-banking users.