This paper contributes to the electronic banking (e-banking) literature by applying the modified Technology Acceptance Model (TAM) in an under-researched Zambian context. Specifically, it examines the influence of e-banking technology's perceived usefulness, perceived ease of use and trust...

Until recently, commercial banks in Zambia have tended to lend more to the Government and foreign financial institutions where credit risk was perceived to be lower than lending to the private sector. As a basis for justifying the creation of a Credit Reference Bureau (CRB) to mitigate credit...