NYIRENDA, Natasha Tatiana2025-08-222025https://research.unilus.ac.zm/handle/123456789/507Master of Business Administration in Finance - DissertationThere are many factors which affect electronic banking adoption among financial institutions especially in developing countries, so this study was done to identify them with reference to credit card usage by banks in Zambia. According to Jensen (2003), other countries in Africa, except South Africa, house their Internet infrastructure only in major cities-with the result that accessing most services cannot be done through echannels, due to culture since such technology is still a new innovation in people's life and made useless with culture. This researcher used three main specific objectives such as; the extent of income levels affecting the usage of credit cards in Zambia, the influence of financial literacy on the usage of credit cards in Zambia, availability of digital infrastructure and its effect on credit card usage in Zambia, and the effect of credit card awareness on usage. The researcher used descriptive research design of study under quantitative approach in order to better analyse the study. With the help of primary and secondary data collection instruments such as questionnaires and documentary analyses, the required data were collected. The study revealed that several factors in adoption and use of credit card exist, but analysed factors income level and credit card awareness as well as credit card costs under its usage. These account for usage for purposes of acquiring goods both in the country and outside. Using the correlation co-efficiency model developed by Spearman The statistical data regarding the association between Absa Bank Zambia customers' use of credit cards and their level of financial literacy is provided in Table 4.7. The results show that income level has a high positive correlation with credit card usage of 0.598, with a sig of.000, which is less than 0.01; the sample size is 370, and the significant level is 0.01. Researchers determine that variables are connected when the significance level (sig.) is below the threshold. It is therefore concluded by the researcher that there is a statistically significant correlation between factors affecting the usage of credit card and usage of Credit Cards by Clients of Absa Bank Zambia, implying that they are many factors which affect the adoption and usage of Credit Cards.enThesis