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

Abstract

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.

Relationship between E-recruitment Adoption and Good Governance Practices in Nigerian Public Sector: An Empirical Study

“…Phatthana and Mat (2010) revealed that perceived ease of use was found to be positively related to e-purchase intention (β=0.39, p= 0.03). This result is consistent with (Davis, 1989;Venkatesh & Davis, 2000;Venkatesh et al, 2003;Pikkarainen et al, 2004;Ramayah & Fernando, 2009;Amin, 2007). The result from the analysis found that PQ significantly related to good governance (β= .147, p= 0.005) which is in line with Colesca and Liliana (2009) where perceived quality is statistically significant to e-government (β= 0.34, p= 0.000).…”

Role of consumer personality in determining preference for online banking in India

“…2,71 -75 Technology is perceived by companies as a strategy that enables them to differentiate themselves from the competitors 76 and facilitates in improving their relationships with consumers. 77 Online banking has gained importance in the last few decades 10 as it makes banking convenient to the consumers. 9 Liao et al 78 in their study on online banking have suggested attributes like ease of use, image, compatibility, willingness and opportunity to explore online banking as factors encouraging online transactions.…”

“…The online banking behaviour is infl uenced by attributes like ease of use, security, privacy, usefulness, amount of information and perceived enjoyment. 10 This article focuses on the issue of online banking in India, which is considered one of the top emerging markets in the world. Although the western world is familiar with online banking, Indian consumers are still wary of this method of doing banking.…”

“…9 Our research aimed at understanding the role of consumers ' personality attributes in the use of online banking services. We adapted the constructs used by Pikkarainen et al 10 for the online banking service attributes and the personality traits constructs developed by Aaker. 11 The purpose was to decipher the role of Indian consumers ' personality in online banking behaviour.…”

The Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective

“…Many bank customers have a lack of trust, lack of controllability, security issue, and concern privacy of electronic banking (Susanto, 2016;Kim, Shin, and Lee, 2009;Lee and Chung, 2009;Luarn and Lin, 2005).Therefore, there are many banking customers that still prefer ATM banking services (Shih and Fang, 2006).Mobile banking firms should emphasize the importance of security, safety, reliability and convenience (Lin, 2011).However, banking firms offer mobile banking service that not only build a safe transaction environment, but also focus on the security of personal information collection and privacy mechanism. Previous studies only discussed the trust perceived and intention of usage mobile banking (Gumussoy, 2016;Gu, Lee, and Suh, 2009) or the concern privacy and personal perceived of adopt Internet banking (Susanto, 2016;Pikkarainen, Pikkarainen, Karjaluoto, and Pahnila, 2004).Few studies have focused on the issue of privacy mechanism influence concerns for personal information, trust perceived, and risk perceived attitude.…”