Internet Banking and Client Attitudes Towards Adoption. A Zimbabwean Study 2008-2012

Jonathan Tembo, Douglas Muyeche, Allan Chidawarima


The primary objective of the study was to investigate internet banking benefits and client attitudes towards its
adoption. The study adopted a descriptive survey design and convenience sampling was applied in collecting
the study sample. Primary data was collected through questionnaires and interviews. The major findings of the
research were that internet banking offered numerous benefits to clients, but despite these, clients had not fully
adopted it due to negative attitude, inaccessibility of internet facilities, and perceived risk of online transactions.
The major recommendations were that banks needed to improve their marketing of internet banking to remove
negative client perceptions and internet service providers should increase their geographical reach and improve
connectivity to improve internet accessibility.

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