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This study investigates the factors that affect utilization of agency banking in Ethiopian
\ncommercial banks. Descriptive research design and quantitative research approach are adopted.
\nPrimary data are collected using questionnaire from four purposively selected commercial banks
\nin Ethiopia; Commercial Bank of Ethiopia, Dashen Bank, United Bank and Lion International
\nBank. Thus the researcher takes all 78 staffs working in agency banking department of four
\nbanks via purposive sampling technique. Multiple regression analysis is used to analysis the
\ndata. The study found that all independent variables (Regulation, Telecom, Security and
\nTraining) have positive and significant impact on Agency Banking Utilization at 5% level of
\nconfidence. The researcher recommended banks to consider the four dimensions (regulation,
\ntelecom, security and training) are the major factors that affecting agency banking utilization and
\nshould take vital measures in order to exploit the benefit of agency banking. Government also
\nshould support banks by assist sufficient telecom infrastructure and issue feasible legal
\nframeworks to facilitate the operation and utilization of agency banking

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