Effects of User Experience on Identity Authentication in the Nigerian E-banking Environment


A positive user authentication experience in e-banking is becoming increasingly challenging for providers of banking services. Users experience is crucial in justifying moneys spent in technologies. The use of Technology and its acceptance is a field of learning that researchers are working assiduously to discover factors affecting user identity authentication experience in e-banking. The study will investigate the factors affecting user experience in identity authentication in Nigeria e-banking environment using UTAUT model. Statistical methods will be used for analysis. The geographical scope of this work will be restricted to federal capital territory (FCT) in North Central Nigeria. Bank officials and customers will be selected from FCT and samples will be drawn through purposive sampling technique. Findings will disclose factors affecting user authentication experience. Recommendations will be made and the model derived which is UTAUT elements will make contributions extensively to the body of literature.

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