Evaluating the Impacts of Online Banking Factors on Motivating the Process of E-banking

Jalal, Akram; Marzooq, Jassim; Nabi, Hassan A.

doi:10.5539/jms.v1n1p32

Cited by 18 publications

(9 citation statements)

References 20 publications

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“…The results of this research as shown in Table 7 indicate that there was positive and significant effect of the perceived credibility to intention to use. The http://www.ijmp.jor.br v. 9, n. 4, October -December 2018ISSN: 2236 results of this research in line with the results of Rahayu (2010) and Jalal et al (2011) which show that the perceived credibility has a positive and significant effect on the acceptance of ebanking. Each increase of 1 unit from the value of the perceived credibility (Y2) will increase 0.338 unit from the value of intention to use (Y3).…”

Section: Independent Journal Of Management and Production (Ijmandp)supporting

confidence: 88%

Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City

Wibella

Fahmi

Saptono

2018

Ind. Jour. Manag. & Prod.

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Various surveys have been conducted over the past few years indicating financial access in Indonesia is still not good. Digital Financial Inclusion (DFI) which is a digital access to use of formal financial services by underserved populations to solve those problems. The success of the DFI services were not only determined by the service provider, but also by the acceptance of the users. The TAM (Technology Acceptance Model) model offers a powerful and simple explanation of the factors that affect user acceptance of a technology. The main purpose of this research was to understanding consumer acceptance of using DFI which was investigated and measured by several factors through the TAM model ie; perceived usefulness, perceived ease of use, perceived credibility, intention to use, and actual use. The population of this research was conducted in Bogor City because the level of financial inclusion in Bogor City was low but the digital development was quite good. And total sample was 134 respondent.The PLS SEM analysis showed that perceived usefulness has no significant effect (p> 0.05) to intention to use DFI services but perceived ease of use and credibility has significant (p <0.05) and positive effect to consumer interest in using DFI services. Perceived credibility is the most influencing consumer interest in using DFI service because it has the highest coefficient value. The results of this research were expected to improve the development and acceptance of DFI services.

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Section: Independent Journal Of Management and Production (Ijmandp)supporting

confidence: 88%

Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City

Wibella

Fahmi

Saptono

2018

Ind. Jour. Manag. & Prod.

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“…Based on the positive intercorrelation, increasing level of education is supposed to increase web usage frequency (r=0,177). This finding was supported by the previous studies [39,40,4]. Hoffman and Novak [41] pointed the level of education as one of the effective factors in owning a computer and using web services in daily life processes along with some other factors.…”

Section: Web Usage and Securitysupporting

confidence: 74%

“…They refer education as "what counts", in order to emphasize the importance of it. Jalal, Marzooq & Nabi [39] and Bart, Shankar, Sultan & Urban [40] studied the motivating factors effecting online banking services. They attributed education as a significant factor among others.…”

Section: Web Usage and Securitymentioning

confidence: 99%

Impact of education on security practices in ICT

Bostan

2015

Teh. vjesn.

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Original scientific paperIn assuring the security in information technology, user awareness and acquired-user habits are inevitable components, yet they may be qualified as the feeblest ones. As the information technology tries to put its best in providing maximum security, user awareness plays a key-role. Additionally, although the literature provides studies on approaches for teaching information security, there are not many evidences on the impact of education level. Therefore, this study investigates the impact of the education level on user security awareness in using the Information and Communication Technology (ICT) products. For this purpose, a survey was conducted among 433 citizens from different layers of the society. Interestingly, the results indicated that education level has significant impact on all security issues included in the analysis regarding computer usage, web usage and e-mail usage. Keywords: Education and ICT security awareness, Education and ICT usage, E-mail security, Computer security, Web security Utjecaj obrazovanja na sigurnosne mjere u ICTIzvorni znanstveni članak U provođenju sigurnosnih mjera u informatičkoj tehnologiji, svijest i stečene radne navike korisnika neizbježne su komponente. Ipak, može ih se označiti i kao najslabije. Premda informatička tehnologija nastoji činiti najviše što može da bi osigurala maksimum sigurnosti, svijest korisnika o tome je ključna. Uz to, iako se u literaturi mogu naći radovi koji se bave načinima podučavanja sigurnosti u informatici, nema ih mnogo koji razmatraju utjecaj stupnja obrazovanja. Stoga se u ovom radu ispituje utjecaj stupnja obrazovanja na to koliko su korisnici svjesni potrebe primjene zaštitnih mjera pri korištenju proizvoda informatičke i komunikacijske tehnologije (ICT). U tu je svrhu provedeno ispitivanje na grupi od 433 građana, pripadnika raznih društvenih slojeva. Zanimljivo je da su rezultati pokazali kako nivo obrazovanja značajno utječe na pitanja vezana uz provođenje zaštitnih mjera kad se radi o uporabi računala, internetske mreže i e-pošte.

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“…However, there are several theories and models in literature which have been employed to explain the relationships between the factors affecting the acceptance and adoption dominancy and user's attitude and willingness as shown in Appendix (1). Among them, there are three very well-known models which are the following: Technology Acceptance Model (TAM) by (Davis in 1989, Poon (2007), Aderonke A and Charles K. (2010), ), Jalal et al (2011), Johar and Awalluddin (2011, Abadi and Nematizadeh (2012), Ahmadi and Afrouzi (2012), Moga, et al (2012), Raida and Néji. (2013), El-Qirem (2013), Sanayei and Saneian (2013), Alikhani and Davarzani.…”

Section: The Applied Theories and Modelsmentioning

confidence: 99%

A Short Review of the Electronic Banking System

Khan

2019

RBS

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The necessity of E-Banking services with the new generation’s lifestyle today is reached at different levels of technology innovations. This paper aims at directing and contributing to E-Banking by exploring and analyzing the current situation of commencement on E-Banking and its acceptance confidently. This paper presents an intensive summary review of a doctorate research by the author about E-Banking acceptance in the Kurdistan Region of Iraq in which 38 studies among 110 published papers were selected on E-Banking between 2002-2016. The studies seek to draw reliable conclusions from their data to identify the influenced factors on the acceptance and adopting of E-Banking system. To analyze the capacity and results of these studies, an analysis was conducted on the most influenced factors, powerful acceptance theories employed in these studies, thesample unit, respondent size and the location of the investigation. The results showed that the factors of security, perceived ease of use and trust had the higher frequencies among the others. The most used model in these studies was TAM model with a great satisfaction results by the researchers and bank institutions. The respondents of these studies were between 44 and 3000 and the major sample unit is bank customers and the majority of studies were from Iran, which are 13 studies. It was found that other theories (UTAUT and UTAUT 2) were less attractive to researchers in their studies. Therefore, the most results are based on the outcomes of TAM models. However, there are limitations of the outcomes by this study for reviewing limited papers, someshortcomings in constructing the links between the E-Banking channels with the influenced factors and there is supremacy of the higher frequency of using TAM on the results. Further works are recommended to study security, perceived ease, and trust using (UTAUT and UTAUT 2) in the countries with large population strata.

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Evaluating the Impacts of Online Banking Factors on Motivating the Process of E-banking

Cited by 18 publications

References 20 publications

Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City

Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City

Impact of education on security practices in ICT

A Short Review of the Electronic Banking System

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