This study conducted by Ghalandari (2012) aimed to investigate the factors that influence

the acceptance of e-banking services in Iran, taking into account age and gender.
Ghalandri utilized a questionnaire model developed by Al-Awadhi and Morris, which
assesses performance expectancy, effort expectancy, social influence, facilitating
conditions, and behavioral intentions. The questionnaire consisted of two sections, one
for demographic information and the other for leading questions. The reliability of the
questions was calculated using SPSS software, and the Cronbach coefficient was
obtained as 93.2%. Out of the total 350 questionnaires distributed, Bank Melli received
310 valid responses for their final analysis. This indicates a high response rate and
suggests that the results are likely to be representative of the customer base. To validate
the hypothesis, the sig. the value should be below the research error coefficient of 0.05.
Also, examining the confidence intervals at a 95% confidence level will ensure
hypothesis validity and research reliability.
The study found that all four variables had a positive and significant effect on users'
behavior and intention to use e-banking services, and that age and gender moderated
these relationships. To improve the acceptance of e-banking services, it is recommended
that banks raise awareness of the advantages of e-banking and ensure that their services
are designed to be user-friendly. Additionally, infrastructure such as computers and high-
speed internet should be provided to all social classes to facilitate the use of e-banking
services.

Bada and Karupiah (2014) conducted a study on the Factors Influencing Customers’
Trust in the use of automated teller machine (ATM) services in Sokoto State, Nigeria.
The study aimed to evaluate the critical factors that influence customers' use of ATM
services, particularly their trust in the operating nature of such services. To achieve this,
the study employed various factors, including attitude towards behavior, intention
behavior, actual usages, prescribed ease of use, and usefulness from the technology
acceptance model (TAM). To gather data, the study utilized cross-sectional research,
which involved collecting data at a specific period. The researchers developed a
questionnaire with two sections to set the objective of the study. The questionnaire was
administered to 300 (72.7% were male and 92.0% were Muslim) customers of selected
from five different banks in Sokoto State, Nigeria.
The statistical tests conducted on the data collected confirmed that attitude towards
behavior, intention behavior, actual usage, perceived ease of use, and usefulness had a
significant and positive relationship with customers' trust in the use of ATM services.
Amongst these factors, attitude towards behavior has the strongest impact on trust, which
is shaped by lifelong belief electronic banking. Positive attitudes, ease of use, and actual
usage strongly correlate with customer trust in ATM services in Sokoto State, Nigeria.
Banks can use this information to encourage greater use and build trust. Customer
attitudes play a significant role in their usage of ATM s ervices.Therefore, the study
Nigeria analyzed the relationship between TAM variables and trust in ATM services and
concluded that customers' trust in the operating nature of ATM services is a crucial factor
that influences their use. Positive effects on trust were found, but Simmel's theory on
trust was rejected.

Ajisegiri and Oyebisi (2014) conducted a comprehensive study on the factors influencing
the deployment and adoption of electronic payment services in Nigeria. The banking
industry has witnessed a remarkable transformation with the advancement of technology.
In today's digital era, banks offer a vast range of financial services online, and they are
continuously upgrading their electronic payment systems to deliver superior services to
their customers and enhance their satisfaction.The study targeted individuals over 18
years old who reside in Southwestern Nigeria and hold bank accounts in one or more
local or foreign banks located in Nigeria. A sample size of 300 individuals was carefully
selected to provide accurate answers to the survey questions. The study obtained primary
data from experienced bank staff, merchants, and customers of the banks and various
business outlets to ensure the reliability of the results. . The data collected from the field
were analyzed using the Statistical Package for the Social Sciences (SPSS) and statistical
analytical software (SAS) to ensure the accuracy of the results.
The study found that infrastructure support facilities, efficiency of usage, and perceived
credibility significantly influence the deployment and adoption of e-payment services.
However, perceived self-efficacy and financial cost have the least effect on the
deployment of the technology. The researchers also included organizations and switching
companies involved in the deployment and adoption of the technology across the country
in the sampling frame.
Overall, Ajisegiri and Oyebisi's study provided valuable insights into the factors that
influence the deployment and adoption of electronic payment services in Nigeria.
Findings from this study may inform the review of the cashless policy, but caution should
be exercised in generalizing results. Future research should investigate the influence of
social and mass media on adoption and consider cultural factors that shape individual
beliefs. Social and technological change is interconnected, with technology driving social
change through innovation and diffusion.
 References
Ajisegiri, B. K., & Oyebisi, T. O. (2014). Adoption of E-Payment Platforms in Nigeria:
Assessment of Levels and Patterns of Adoption and Customers’ Level of
Satisfaction.

Bada, A. B., & Karupiah, P. (2014). Factors influencing customers’ trust in the use of
Automated Teller Machine (ATM) services in Sokoto State, Nigeria. Advanced
Review on Scientific Research, 3(1), 29-45.

Ghalandari, K. (2012). The effect of performance expectancy, effort expectancy, social

influence and facilitating conditions on acceptance of e-banking services in Iran:
The moderating role of age and gender. Middle-East Journal of Scientific
Research, 12(6), 801-807.