This paper examines the effect of self-efficacy, belief in one's capabilities of using a computer in the accomplishment of specific tasks, on computer usage. It introduces an extended technology acceptance model (TAM) that explicitly incorporates self-efficacy and its determinants (experience and organizational support) as factors affecting computer anxiety, perceived ase of use, perceived usefulness and the use of computer technology. A survey of 450 microcomputer users in Finland found strong support for the conceptual model. In accordance with TAM, perceived usefulness had a strong direct effect 6n usage, while perceived ease of use had indirect effect on usage through perceived usefulness. Self-efficacy had both direct and indirect effects on usage, demonstrating its importance inthe decision to use computer technology. It also had a strong direct effect on perceived ase of use, hut only an indirect effect on perceived usefulness through perceived ease of use. Computer experience was found to have a strong positive direct effect on self-efficacy, perceived ease of use, perceived usefulness and usage. Organizational support and computer anxiety had only indirect effects on usage, mainly through perceived usefulness. Implications of these findings are discussed for researchers and practitioners. Key words--self-efficacy, acceptance, usage, Finland, globalization, cultural differences. INFORMATION TECHNOLOGY (IT) with its capacity to process, store and transmit infor-mat ion has a significant potential impact on organizat ional effectiveness and product iv it
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