Predictors of e-commerce adoption : a case study of One Life Assurance Zambia.
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Date
2025
Authors
Mwape, Chewe
Journal Title
Journal ISSN
Volume Title
Publisher
The University of Zambia
Abstract
The research problem to be addressed in this study is that despite the strategic plan for One Life Assurance Zambia indicating the need for adopting E commerce in year one of the strategic plan, E commerce is far from been adopted. As such, the purpose of the study was to explore factors that are linked with E Commerce adoption for One Life Assurance Zambia. This was a cross-sectional study design involving employees of one life assurance Zambia. An online survey questionnaire was administered, and data was analysed using SPSS version 22. Linear regression was the main analytic technique. The findings show that there is very little to account for E Commerce adoption at One Life Assurance Zambia. Overall level of E commerce adoption for One Life Assurance Zambia can be graded as imperfect and its customers can only download a mobile app and access the firm physically or by e mail. The firm has no platform for E Commerce. Nearly all employees intend to adopt E Commerce when the system and tools are rolled out as n = 45 (93.7%) desire so compared to only n = 3 (6.3%) who do not. Regression analysis shows a relationship between the three predictors
(Performance Expectancy, Effort Expectancy and Social Influence) and E Commerce Adoption. There was a strong positive relationship (R= 0.873) and the model explains 76.2% of the variation in the dependent variable and this is a very good model. The three predictors influence E Commerce Adoption (BI-ECA) noting that the model’s sig value was p < 0.001. Based on the main findings, an interpretation is ideal. The conclusion is that performance expectancy, effort expectancy and social influence have positive influences on employee intention to use E Commerce when available in future. With this understanding, practitioners can better design appropriate E-Commerce policies and interventions for E-Commerce Adoption, thereby avoiding the development of policies, strategies, and business practices based on the assumption of universal imperatives which have high risks of misguiding and frustrating local efforts to make sense of and appropriate E Commerce activities and platforms.
Description
Thesis of Master’s Degree of Science in Accounting and Finance.