Suchergebnisse

Purpose
The integration of relevant antecedents into TAM would lead to better understanding of the decision factors which act as enablers for the adoption of internet banking. The purpose of the paper is to determine the influence of the antecedents subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, trialability and government support on the existing constructs of the technology acceptance model (TAM) and to test measurement invariance and the moderating effect of the demographic variables on the relationship between the latent constructs used in this augmented TAM.


Design/methodology/approach
A survey questionnaire was administered on internet banking users and a total of 300 responses were collected. A two-step approach suggested by Hair et al. (2006) and Schumacker and Lomax (2004) was used in this study. The proposed model was assessed using the confirmatory factor analysis approach. The structural model was then tested in order to establish nomological validity. The data based on four demographic dimensions gender, age, income, education were divided into two groups for each of these demographic dimensions. The invariance test was first performed on the measurement model and then on the structural model. The measurement model and structural model were subjected to tests of equivalence of parameters across groups.


Findings
To a large extent the results of the study supports the proposed model and thereby contributes to understand the influence of subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk and government support on internet banking adoption. The predictor variables in the augmented TAM were able to explain 29.9 per cent of the variance in the actual usage of internet banking as compared to the TAM which was able to explain only 26.5 per cent variance in the actual usage of internet banking. A significant difference in the relationship between the different constructs of the model was observed when the model was subjected to multi-group invariance testing.


Research limitations/implications
The study suffers from the same limitations as most other studies involving TAM. In this study self-reported measures about the usage were taken as the actual usage. The findings of the study can be of use to marketers for target-specific marketing by customizing the marketing campaign focussing on the factors that were found to be strong influencers leading to the usage of internet banking for each target audience.


Originality/value
The main challenge in this study was to develop the conceptual model for the internet banking adoption by extending the TAM and to get a robust theoretical support from the extant literature for the relevant factors along with their relationship to uncover new insights about factors responsible for the internet banking adoption. The augmented model had an improved predictive capability and explanatory utility.

AbstractFactors associated with adopting and resisting mobile banking technologies were investigated among university students in Taiwan. Adoption factors included the belief that mobile banking helps fulfill personal banking needs, provides location‐free conveniences, and is cost effective. The primary factors associated with resistance included concerns over system configuration security and basic fees for mobile banking web connections. The theoretical and applied implications of these findings are discussed. Copyright © 2009 ASAC. Published by John Wiley & Sons, Ltd.

In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers' intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers' intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

This study aims to investigate the factors influencing behavioral intention to use e-banking services as well as the impact of awareness as an external variable on the technology acceptance model (TAM). The study is based on original information gathered from 206 respondents who live throughout Kosovo. Confirmatory Factor Analysis and Structural Equation Model were employed in the analysis, which was conducted using AMOS statistical software. As a result, it was found that customers of banking institutions are not sufficiently aware of the usefulness of e-banking services and the opportunities offered. Perceived ease of use, perceived usefulness, and attitude seem to influence the intention to use e-banking. Attitude was found as a major predictor of the intention to use. Various marketing campaigns from financial institutions should focus on educating people about the advantages of using e-banking, such as time savings, lower transaction costs, up-to-date customers, and other information. Likewise, to create other benefits for e-banking services, only then will consumers have positive attitudes and intentions to use these services.

This research project was aimed to describe the challenge and prospects of mobile and agent banking adoption in Ethiopian banking industry. In order to achieve the objective of this study and answer the research questions the researcher adopted mixed research approach. This descriptive study was conducted based on the data gathered from purposively selected e-banking staffs of the six banks commencing mobile and agent banking; Commercial bank of Ethiopia Dashen Bank, United Bank, Lion International Bank, Wegagen bank and Cooperative Bank of Oromia. The data collected was analyzed using descriptive statistics. The study revealed that environmental (lack of adequate ICT infrastructure, poor quality of internet and mobile network, inconsistent power & network supply in rural areas of the country), organizational (lack of support & commitment of top level management, lack of availability of well trained manpower to build agent network, lack of skill of IT personnel, lack of technical an d managerial skill of staffs), and technological (lack of confidence with the security aspect, customer's fear of risk of new technology innovation, and lack of availability of physical security) are challenges of adopting mobile and agent banking. The study also revealed that, the major prospects of adopting mobile and agent banking classified under perceived ease and perceived usefulness are simplicity to perform banking tasks, easiness to understand and use, friendliness with the existing service offering, improving customer service being a solution for banks closing their doors early, motivates fast small cash movers to put their extra money into the banking system, creating wider market coverage for the bank, increases the productivity of banks, enhance customer service, and accessibility of service without limit of time and place. The study recommended banks to consider technology based competition, regulatory body to issue suitable legal frameworks to ease the adoption of mobile and agent banking syste m while the government should support banking sector by investing on ICT infrastructure development and financial education program.

This study was put together to examine the influence of TAM (Technology Acceptance Model) extension model on customer adoption of e-banking practice in Lagos state. Furthermore, to capture the extended model four (4) elements of innovation characteristics namely innovation relative advantage, innovation complexity, innovation compatibility and innovation information were added into original TAM model to determine their relationship with customer adoption. The study utilized descriptive research design and collected data through cross-sectional survey method. Validated questionnaires of four hundred copies were given to the needed respondents and the data collected were analyzed using both descriptive and inferential statistical tools. Results revealed a substantial relationship between the dimensions of TAM extension model and customer adoption. The study recommends that an innovation will do very well if the innovation is made to capture all the variables investigated in this study to ensure rapid diffusion/adoption of the innovation for the whole process to be successful.