18,850 research outputs found
Factors Influencing Peopleâs Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China
E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumersâ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumersâ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that âdifficult to operateâ, âunnecessary to use itâ and âworry about the securityâ are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance
An Empirical Investigation of the Level of Usersâ Acceptance of E-Banking in Nigeria
Nigeria was depicted to be the fastest growing telecommunications nation in African. Presently, all members of the Nigeria banking industry have engaged the use of Information and Communication Technology (ICT) as a platform for effective and efficient means of conducting financial transactions. This paper focuses on determining the level of usersâ acceptance of the electronic banking services and investigating the factors that determine usersâ behavioral intentions to use electronic banking systems in Nigeria.
The survey instrument employed involved design and administration of a total of 500 survey questionnaires within the Lagos metropolis and its environs. An extended Technology Acceptance Model (TAM) was employed as a conceptual framework to investigate the factors that influence usersâ acceptance and intention to use electronic banking. To test the model, data was collected from 292 customers from various commercial banks in Nigeria. The model measured the impact of Perceived Credibility (PC), Computer Self-Efficacy (CSE), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU) on customer attitude and customer attitude on customer adaptation.
The result of this research shows that ATM still remains the most widely used form e-Banking service. Banksâ customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users
Internet banking acceptance model: Cross-market examination
This article proposes a revised technology acceptance model to measure consumersâ
acceptance of Internet banking, the Internet Banking Acceptance Model (IBAM). Data
was collected from 618 university students in the United Kingdom and Saudi Arabia. The
results suggest the importance of attitude, such that attitude and behavioral intentions
emerge as a single factor, denoted as âattitudinal intentionsâ (AI). Structural equation
modeling confirms the fit of the model, in which perceived usefulness and trust fully
mediate the impact of subjective norms and perceived manageability on AI. The
invariance analysis demonstrates the psychometric equivalence of the IBAM
measurements between the two country groups. At the structural level, the influence of
trust and system usefulness on AI vary between the two countries, emphasizing the
potential role of cultures in IS adoption. The IBAM is robust and parsimonious,
explaining over 80% of AI
The Impact of Trust on Acceptance of Online Banking
Major benefits of Online Banking include for banks cost savings, and for customers convenience. Nevertheless, many people perceive Internet banking as risky. This paper introduces a tentative conceptual framework. Trust will be integrated into the Technology Acceptance Model â TAM - (Davis, 1989). Recent research showed that Trust has a striking influence on user willingness to engage in online exchanges of money and personal sensitive information. Detailed literature about Online Banking and Trust is provided. TAM is discussed in depth; external variables that are suitable for the Online Banking context is suggested. In addition the theoretical justification for the conceptual framework integration is discussed. Finally managerial implications and recommendations for Online Banking acceptance are suggested
e-Consumer Behaviour
Purpose â The primary purpose of this article is to bring together apparently disparate and yet
interconnected strands of research and present an integrated model of e-consumer behaviour. It
has a secondary objective of stimulating more research in areas identified as still being underexplored.
Design/methodology/approach â The paper is discursive, based on analysis and synthesis of econsumer
literature.
Findings â Despite a broad spectrum of disciplines that investigate e-consumer behaviour and
despite this special issue in the area of marketing, there are still areas open for research into econsumer
behaviour in marketing, for example the role of image, trust and e-interactivity. The
paper develops a model to explain e-consumer behaviour.
Research limitations/implications â As a conceptual paper, this study is limited to literature and
prior empirical research. It offers the benefit of new research directions for e-retailers in
understanding and satisfying e-consumers. The paper provides researchers with a proposed
integrated model of e-consumer behaviour.
Originality/value â The value of the paper lies in linking a significant body of literature within a
unifying theoretical framework and the identification of under-researched areas of e-consumer
behaviour in a marketing context
Learnersâ continuance participation intention of collaborative group project in virtual learning environment: an extended TAM perspective
The aim of this study is to explore learnersâ intention to return to the electronic environment through the use of wikipages. The survey is based on studentsâ participation in a collaborative group project over a one semester course on business information systems. A research model based on the extended Technology Acceptance Model (TAM) has been proposed to investigate what factors will influence learnersâ continuance participation in the electronic learning environment. 75% of students returned the questionnaire and the data analysis results based on the extended TAM Shows that the learnersâ intention to return to the electronic learning environment was highly associated with their attitude towards the electronic learning tool and the affection associated with the tool
Analyzing the use of UTAUT model in explaining an online behaviour: Internet banking adoption
This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University.Technology acceptance research is a constantly developing field. The disciplines
that contributed to its development are either beliefs focused or system focused.
The unified theory of acceptance and use of technology (UTAUT) combined
both. The current research model proposes an extension to the UTAUT that
accounts for online usage behaviour. The proposed research model is tested in
two countries (UK and Jordan) to investigate the viability of the unified model
of technology acceptance in different boundaries as a model of individualsâ
discretionary usage of Internet banking. The study also questions the roles of
other determinants and moderators in this context.
Results found support for the effect of the proposed extension, website quality
perceptions, on usage behaviour in both countriesâ models; the total effect of this
extension exhibited website quality perceptions the most influential determinant
of usage behaviour in both models and performance expectancy construct was
second in effect. Social influence had no impact on the usage behaviour in both
models, which is consistent with previous research that advocates a declining
role of social influence under discretionary usage and increased experience
conditions. Furthermore, the moderating role of performance expectancy
previously established in TAMâs research was supported in the UTAUT model
in both countriesâ models. Moreover, both models reported a non-moderating
effect of gender, which, is also in line with recent research findings that suggest
declining gender differences under voluntary usage conditions and advanced
experience. Education and income were moderators only for the UK model.
Although the research findings demonstrated that both countriesâ models were
âconfigurallyâ similar with respect to model specifications, the modelsâ
explanatory power for usage behaviour was dissimilar: the UKâs model
explanatory power exceeded that of Jordanâs model presenting an opportunity
for future research.
The current research contributes to knowledge in the field of technology
acceptance research. It demonstrated that website quality perceptions, as a multidimensional
concept, play an important role in the online usage context. It also
demonstrated that the unified model of technology acceptance established in the
western culture can be transferred to a non-western culture although with
varying degrees of explanation power
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Investigating the Factors Influencing Customersâ Adoption of Online Banking in the United Arab Emirates
The goal of this paper is to increase the awareness of the exogenous factors that influence customersâ attitude in the United Arab Emirates (UAE) towards online banking in the light of the Technology Acceptance Model (TAM). The study investigates the effect of three exogenous factors namely computer self-efficacy, security issues, and website features on the TAM. The proposed modified TAM model has been tested with a survey sample of 461 which has been distributed among different customers in the UAE. The data has been analyzed using Structural Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships. The results strongly support the extended TAM model in predicating customersâ attitude towards online banking. It also demonstrates the significant effect of computer self-efficacy on customersâ attitude through perceived ease of use and perceived usefulness. The implications of integrating the proposed exogenous factors into the TAM are discussed and suggestions for future research. are presented
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