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Department of Computer and Information Sciences, Covenant University, Ota, Ogun State, Nigeria.
Department of Management Sciences, Ladoke Akintola University of Technology, Ogbomoso, Oyo State, Nigeria.
The growth of Internet usage in Nigeria continues to increase, recording over 90% growth rate between
2000 and 2008. While businesses in Nigeria are reported to have online access with opportunity for ecommercial activities, customers in the country however access business websites only to source for
information but make purchases the traditional way. This paper aims at assessing the prospects and
challenges of Business-to-consumer (B2C) e-commerce implementation in Nigeria from the consumers
perspective. Survey research was adopted for this study. Research hypotheses were formulated and
questionnaire designed and administered randomly to 900 respondents. Collected data was used to
evaluate the acceptance of B2C e-commerce using the extended technology acceptance model (TAM).
The extended TAM combines task-technology fit, relationship related construct: trust and risk, and the
two TAM constructs to determine factors influencing consumer acceptance of B2C e-commerce in
Nigeria. Findings revealed that there are significant relationships between the model variables. Tasktechnology fit and perceived usefulness have significant relationships with intentions to use, having a
correlation coefficient of 0.2623 and 0.2002 respectively. Similarly, the interrelationship among trust,
perceived risk, and behavioral intention are significant. The effect of risk on trust was statistically
showing that risk is a predictor of trust. Risk has a high significant on trust and trust in turn has low
significant effect on behavioral intention. Adding TTF and its relationships to the TAM also fit the data.
The relationship between task-technology fit, perceived ease of use, perceived usefulness and intention
are significant.
Key words: TAM, trust, Risk, B2C e-commerce, Consumer, Internet, and task-technology fit.
INTRODUCTION
E-commerce is the use of the Internet for marketing,
identification, payment and delivery of goods and services. Through the e-commerce technology, the Internet
has revolutionized the mode of business transactions by
providing consumers with the ability to bank, invest,
purchase, distribute, communicate, explore, and research
from virtually anywhere, anytime where there is Internet
access (Anup, 1997). Most importantly, it has created
electronic markets and provided opportunities for businesses to reach consumers in a very direct way. Also by
virtue of the technology, it has enabled consumers
immediate access to these electronic markets.
5110
acceptance
model
and
online
Ayo et al.
5111
5112
Trust
PEOU
H4
H7
H1
TTF
H3
IU
H2
PU
H5
H6
H8
TAM
PR
Ayo et al.
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Variable
Gender
Female
male
Total
Frequency
Percent
210
339
549
38.3
61.7
100
Occupation
Civil service
Trading
Education
Manufacturing
IT
Others
Total
71
124
137
63
26
128
549
12.9
22.6
25
11.5
4.7
23.3
100
Age
<20
21 - 30
31 - 40
41 - 50
51 - 60
60+
Total
14
93
206
188
40
8
549
2.6
16.9
37.5
34.2
7.3
1.6
100
Education
Primary
High school
B.Sc/HND
Post-graduate
Others
Total
47
31
248
162
61
549
8.6
5.6
45.2
29.5
11.1
100
Monthly Income
50,000
50,000 - 100,000
100,000-150,000
>150,000
Total
146
213
118
70
549
26.6
38.6
21.5
13.3
100
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Variable
Frequency of internet access
Fairly often
Very often
Always
Total
Frequency
Percentage
282
153
114
549
51.3
27.9
20.8
100
Payment instrument
ATM
VISA card
Master card
All
Total
309
162
42
36
549
56.3
29.5
7.7
6.6
100
181
244
118
549
33
44.4
21.6
100
128
421
549
23.3
76.7
100
203
99
135
69
43
549
37
18
24.6
12.6
7.8
100
81
90
152
54
172
549
14.8
16.4
27.7
9.8
31.3
100
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5115
PU
1.0000
PEOU
PEOU
0.1531*
(0.0003)
1.0000
trust
0.1245*
(0.0035)
0.1710*
(0.0001)
1.0000
PR
-0.0077
(0.8581)
0.1208*
(0.0046)
0.1679*
(0.0001)
1.0000
TTF
0.1163*
(0.0064)
0.0749***
(0.0797)
0.0727***
(0.0895)
0.2100*
(0.0000)
1.0000
IU
0.2002*
(0.0000)
0.0993*
(0.0201)
0.0776***
(0.0691)
0.0349
(0.4139)
0.2623*
(0.0000)
PU
Trust
PR
TTF
IU
1.0000
Mean
3.0182
Std. Dev
0.8864
2.8589
0.7627
3.0006
0.8161
2.8494
0.7877
3.8270
0.9724
2.9302
0.8549
549
*, **, *** are indication of level of significance which represents 1, 5, and 10% respectively.
PEOU
H1= 0.145*
TTF
H4 =-0.093**
H7 =
IU
H3= 0.231*
H2= 0.013
PU
0.081*** Trust
H5= 0.192*
H8=0.174
H6= -0.085***
PR
Figure 2. Path coefficient of the model. *p < 0.01, **p < 0.05, and ***p < 0.10.
Hypothesis testing
To test the hypothesis, path analysis using model fit was
used to measure the influence of explanatory variables
along each separate path. This is appropriate for finding
the degree to which variation of a given effect is
determined by a particular cause. Path analysis is a
multivariate analytical methodology for empirically examining sets of relationships in the form of linear causal
models (Duncan, 1986; Li, 1975). As shown in the reserach
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Hypothesis
H1
H2
H3
H4
H5
H6
H7
H8
Relationship
TTF -> PEOU
TTF -> PU
TTF -> IU
PEOU -> IU
PU -> IU
PR -> IU
Trust -> IU
PR - >Trust
Coefficient
0.059
0.145
0.231
-0.093
0.192
-0.085
0.081
0.174
DISCUSSION
The aim of this study is to investigate issues in consumers adoption of B2C e-commerce and advance its
implementation in Nigeria. The study made no choice of a
particular set of population besides citizens who are
computer literate and familiar with the use of the Internet.
Having observed that the major use of the Internet
among Nigerian populace is for email and social networkking, this study empirical investigates B2C e-commerce
system usage using a combination of information system
adoption models. An extended Technology Acceptance
Model (TAM) with task-technology fit, perceived risk and
trust was developed and tested using linear regression.
The results show there are significant relationships
between the model variables.
Following TAM, the results also supported the proposed positive relationship between perceived usefulness
and intention to transact. However, perceived ease of use
contrary to previous findings shows negative effect on
intention to transact. Findings in Gefen and Straub (2000)
and Lui and Jameison can justify this observation. The
study of Lui and Jameison reported negative coefficient
with no significant effect. They concluded that perceived
ease of use has no effect on intentions to transact
because system ease of use is not an inherent quality of
the purchased product. This variation could possibly be
due to different domain and early adoption of the technology
P-value
0.000
0.007
0.000
0.10
0.000
0.060
0.070
0.000
Supported
Yes
Yes
Yes
No
Yes
Yes
Yes
yes
Ayo et al.
5117
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