Assessment of Factors Affecting Customer’s Behavioral Intention on the Adoption of Cashless Transaction in Bauchi Metropolis

Rabiata Ismail Burga, Muhammad Inuwa

Abstract


This study examines the factors influencing the behavioral intention to adopt cashless transactions in Bauchi Metropolis, Nigeria. The research investigates four independent variables: perceived ease of use, perceived usefulness, subjective norms, and internet security, with behavioral intention as the dependent variable. A quantitative research approach was employed, targeting 480 commercial bank customers in Bauchi Metropolis. The study utilized probability sampling techniques and structured questionnaires for data collection. The collected data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that perceived ease of use, perceived usefulness, subjective norms, and internet security significantly influence behavioral intention. All independent variables demonstrated a strong and meaningful relationship with the dependent variable. This study provides valuable insights for managers and researchers, enhancing their understanding of the factors affecting the adoption of cashless transactions. It concludes with practical recommendations and highlights limitations, offering directions for future research.


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