https://isiarticles.com/bundles/Article/pre/pdf/47199.pdf

Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit

Viewpoint: Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application

This study investigates how customers perceive and adopt internet banking (IB) in Hong Kong. We developed a theoretical model based on the Technology Acceptance Model (TAM) with an added construct Perceived Web Security, and empirically tested its ability in predicting customers' behavioral intention of adopting IB. We designed a questionnaire and used it to survey a randomly selected sample of customers of IB from the Yellow Pages, and obtained 203 usable responses. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs, which include Perceived Ease of Use and Perceived Web Security as independent variables, Perceived Usefulness and Attitude as intervening variables, and Intention to Use as the dependent variable. The results provide support of the extended TAM model and confirm its robustness in predicting customers' intention of adoption of IB. This study contributes to the literature by formulating and validating TAM to predict IB adoption, and its findings provide useful information for bank management in formulating IB marketing strategies.

/pdf/adoption-of-internet-banking-an-empirical-study-in-hong-kong-2bxsqff0aq.pdf

Adoption of internet banking: an empirical study in Hong Kong

With the improvement of mobile technologies and devices, banking users are able to conduct banking services at anyplace and at anytime. Recently, many banks in the world have provided mobile access to financial information. The reason to understand what factors contribute to users' intention to use mobile banking is important issue of research. The purpose of this research is to examine and validate determinants of users' intention to mobile banking. This research used a structural equation modeling (SEM) to test the causalities in the proposed model. The results indicated strong support for the validity of proposed model with 72.2% of the variance in behavioral intention to mobile banking. This study found that self-efficiency was the strongest antecedent of perceived ease-of-use, which directly and indirectly affected behavioral intention through perceived usefulness in mobile banking. Structural assurances are the strongest antecedent of trust, which could increase behavioral intention of mobile banking. This research verified the effect of perceived usefulness, trust and perceived ease-of-use on behavioral intention in mobile banking. The results have several implications for mobile banking managers.

Determinants of behavioral intention to mobile banking

https://isiarticles.com/bundles/Article/pre/pdf/47203.pdf

An investigation into the acceptance of online banking in Saudi Arabia

Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world, and in the leading e‐banking countries the number of e‐banking contracts has exceeded 50 percent. Investigates online banking acceptance in the light of the traditional technology acceptance model (TAM), which is leveraged into the online environment. On the basis of a focus group interview with banking professionals, TAM literature and e‐banking studies, we develop a model indicating online‐banking acceptance among private banking customers in Finland. The model was tested with a survey sample (n=268). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online‐banking acceptance.

http://ce.sharif.edu/courses/86-87/1/ce428/resources/root/service_Quality_control/9.Consumer%20acceptance%20of%20online%20banking%20an%20extension%20of%20the%20.pdf

Consumer acceptance of online banking: an extension of the technology acceptance model

Purpose – Although research into the adoption and use of online banking services has grown in many parts of the world, the centre of attention has been largely on determinants of online banking adoption, not on users' satisfaction with use. This paper aims to test and validate the End‐User Computing Satisfaction (EUCS) model in order to investigate online banking users' satisfaction with the service.Design/methodology/approach – A survey (n=268) was carried out using convenience sampling. An exploratory factor analysis followed by a confirmatory factor analysis run in LISREL 8.7 is used to test the validity of the model in an online banking context.Findings – The survey results support three constructs (content, ease of use, accuracy) from the original model, indicating that the modified EUCS model labelled EUCS2 can be utilized in analyzing user satisfaction with online banking among private customers.Research limitations/implications – The obtained model suffered from two cross‐loadings between individu...

Tero Pikkarainen

Papers

Consumer acceptance of online banking: an extension of the technology acceptance model

The measurement of end‐user computing satisfaction of online banking services: empirical evidence from Finland