What is it about?
This study examines why people in Addis Ababa use digital banking services, focusing on the key factors that influence actual usage. It explores the role of infrastructure readiness, service affordability, perceived usefulness, and social influence in encouraging digital banking adoption, while also assessing whether ease of use remains a barrier. By identifying the most important drivers of digital banking utilization, the study provides insights to help banks and policymakers promote digital financial services and support the transition toward a cash-lite urban economy.
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Why is it important?
This study is important because understanding what drives digital banking use helps banks and policymakers design services that better match users’ needs. By identifying infrastructure readiness and affordability as key factors, the findings highlight where investments and policy efforts should be focused to expand digital banking. Promoting digital banking can reduce reliance on cash, improve financial inclusion, lower transaction costs, and enhance the efficiency of the urban economy in Addis Ababa.
Perspectives
The study shows that customers value reliable infrastructure and affordable digital banking services, banks need to focus on system quality and pricing, and policymakers play a key role in supporting digital infrastructure and regulations to promote a cash-lite economy in Addis Ababa.
Abebe Tilahun Kassaye
Werabe University
Read the Original
This page is a summary of: Determinants of Digital Banking Utilization in Addis Ababa: A Structural Equation Modeling Approach, January 2026, Springer Science + Business Media,
DOI: 10.21203/rs.3.rs-8490663/v1.
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