An analysis of business’ acceptance of internet banking: an integration of e-trust to the TAM

Abstract

Purpose The purpose of this research is to provide insights into the determinants of businesses’ internet banking acceptance. It attempts to address a research need for extending the technology acceptance model (TAM) by adding contextual variables. As trust has never failed to be a significant predictor in e-commerce research, this study proposes to integrate trust into the TAM to get a better understanding of business e-banking adoption. Design/methodology/approach A research model reflecting the effect of e-trust dimensions on TAM constructs is proposed. Based on relevant literature, a questionnaire was designed and administrated to 102 business managers through a Web survey. A structural modelling analysis was applied. Findings The results confirm the dimensions and relations of the TAM. Moreover, two main trust dimensions – integrity and credibility – positively influence perceived usefulness and exert both a direct and an indirect positive effect on attitude towards business’ internet banking adoption and behavioural intention. Practical implications The managerial implications of the study are that Tunisian banks should consider influencing internet banking behaviour not only by developing ease of use and usefulness beliefs, but also by promoting professional credibility and integrity. They should, also, try to attract business users by focusing on and communicating the integrity and the credibility of the bank and highlight the ways in which these concerns have been ensured. Originality/value This study supplies the valuable integration of trust to the TAM. It reveals that extended TAM could be used to provide a solid theoretical foundation of business’ acceptance of internet banking. In this study, trust construct is measured through a multidimensional scale including four dimensions (benevolence, credibility, integrity and orientation to resolve problems). Moreover, this study focused on an emergent country, Tunisia, whereas most studies in the literature concentrate on research cases of developed countries.

E-Commerce C2C en Chile: Incorporación de La Reputación y de la Confianza en El TAM

“…Además, también se ha podido constatar la relevancia de incorporar al modelo las variables de nuestra propuesta inicial, esto es, la confianza y la reputación (H1 a y b, H3a y H4b), variables que presentan una participación significativa en el modelo, demostrando que existe una relación entre la reputación y la confianza del punto de vista de la competencia y posteriormente que esta explica la intención del usuario frente a la participación de las plataformas C2C. Estos resultados confirman lo hallado en estudios previos en el entorno B2C online (De Obesso et al, 2012;Ben Mansour, 2016;Jamshidi y Hussin, 2016), indicando la posibilidad de extrapolar resultados y modelos de un contexto al otro. Respecto de la benevolencia, no se tuvo el impacto que se esperaba en el modelo.…”

“…Además, los riesgos de que nunca llegue el producto o de robo de información privada o financieramente sensible siempre son mayores en el entorno online que en el tradicional (Biswas y Biswas, 2004). Esto transforma a la confianza en una variable vital para la adopción del comercio electrónico (Gefen et al, 2003;Wu et al, 2011;Ben Mansour, 2016;Jamshidi y Hussin, 2016).…”

“…Al integrar la confianza al modelo TAM los autores han llegado a similares conclusiones, demostrando que afecta de forma significativa y positiva a la utilidad percibida de Internet como canal de compras y a la intención de utilizarlo (Koufaris, 2002;Pavlou, 2003;Palvia, 2009;Schilke y Wirtz, 2012;Ballesteros et al, 2014;Ye y Zhang 2014;Ashraf, Thongpapanl y Spyropoulou, 2016;Jamshidi y Hussin, 2016;Chang et al, 2017). En el contexto C2C, la confianza se enfoca principalmente en la plataforma y sus miembros, e implica confiar tanto en un vendedor individual, como en su producto (Lu et al, 2010; San Martín y Camarero 2010; Ye y Zhang, 2014;Joo, 2015;Ben Mansour, 2016;Chang et al, 2017). En la medida en que el usuario es capaz de confiar en dicho vendedor y su producto, así como en la plataforma que intermedia, puede percibir como útil esta intermediación y, por ende, sentirse dispuesto a comprar a través de ella (Xiang et al, 2016).…”

The Development and Testing of Technology Acceptance Models for Consumers towards the Intention to Use E-Wallet

“…The backbone of this research model is TAM, which is also the main framework for many studies on information technology adoption, apart from its significance; TAM is a developing model which is modified to suit a multi-disciplinary context. In particular, it has been reported in the previous information system literature that PAD functions well as a complement to TAM in increasing predictive strength and explanation, including discussing emotional users [5,7,13,14]. This study uses go-pay as an object of research.…”

“…Thus, PEOU is basically about self-efficacy, which refers to how comfortable users feel about the use of a technology. The importance of the Perceived Ease of Use effect on Attitude toward Usage has been widely validated [5,7,13]. Because attitude is an overall evaluation that includes utilitarian and hedonic components, it is hoped that easy-to-use technology will encourage adoption by developing a good attitude towards it.…”