Examining the Factors Impact People’s Intention to Adoption of E-Banking in Mogadishu-Somalia

E-banking last few years has become one of the most common popular banking systems. Most banks are improved by adopting this new technology, allowing access to a series of banking services anytime and anywhere. This research attempts to build the knowledge or understand on examining the factors that affect people’s intention to use e-banking in Mogadishu-Somalia contextual. This paper used the survey questionnaires to conduct online interviews to solve the research questions of the quantitative and qualitative design, primary sample data from 452 e-banking users on residence in Mogadishu. A study model was proposed by combining the conceptual framework (TAM) to construct perceived credibility, risk, and Structural Equation Modeling (SEM) to analyze the collected data. The outcome reveals that perceived ease of use, perceived usefulness, perceived risk, perceived credibility all have a positive impact intention to the adoption of e-banking. The study indicates the enhancing credibility and satisfaction with e-banking users in Somalia