“…Varaprasad et al, 2013, in their study on internet banking in a developing Country revealed that perceived usefulness, perceived ease of use, perceived risk, relative advantage, and conspicuousness are significant drivers of internet banking adoption. Similar to the findings of Varaprasad et al, 2013, Mwiya et al, 2017 study indicate that perceived usefulness, perceived ease of use and trustworthiness are associated with attitude toward e-banking use. Md NOR et al, 2011 adds that the key determinants to an individual's intention to use electronic banking services includes; perceived usefulness, security, compatibility, cost and technical resources.…”
Section: Literature Reviewsupporting
confidence: 88%
“…The researcher used the quantitative method of study for this research in view of the following factors; A number of reviewed literatures under this study have been that of quantitative in nature (B Mwiya et al, 2017, Huang and Kao 2015, Paul Juinn Bing Tan,2013. Quantitative method proves to be more appropriate for the study as it involves the testing of the theory constructs.…”
E-banking has become one of the most popular methods that has experienced considerably great attention in the financial services studies in the last few years. E-banking enables customers of the bank to conduct a range of financial services via the internet portal. It provides a solution in driving formal banking services uptake in the most cost-effective way, it has great benefits to both the customers as well as the banks i.e. convenience, cost reduction, ease and is an effective marketing tool. This research was conducted to determine the underlying factors that drive the adoption of e-banking services based on the UTAUT model and to recommend solutions that will address the identified underlying factors. A baseline study involving 313 respondents was undertaken with the sample consisting of Clients from the top five (5) banks in Zambia with the best digital capabilities. Questionnaires were administered to these Clients through purposive sampling to get information on their views on Internet banking services. Data was analysed using SPSS descriptive analysis. The results of the study revealed that the UTAUT factors; performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC) and behaviour intention (BI) have a significant impact in the adoption of e-banking services. Social influence (SI) was non-significant to the user’s intention to adopt e banking services.
“…Varaprasad et al, 2013, in their study on internet banking in a developing Country revealed that perceived usefulness, perceived ease of use, perceived risk, relative advantage, and conspicuousness are significant drivers of internet banking adoption. Similar to the findings of Varaprasad et al, 2013, Mwiya et al, 2017 study indicate that perceived usefulness, perceived ease of use and trustworthiness are associated with attitude toward e-banking use. Md NOR et al, 2011 adds that the key determinants to an individual's intention to use electronic banking services includes; perceived usefulness, security, compatibility, cost and technical resources.…”
Section: Literature Reviewsupporting
confidence: 88%
“…The researcher used the quantitative method of study for this research in view of the following factors; A number of reviewed literatures under this study have been that of quantitative in nature (B Mwiya et al, 2017, Huang and Kao 2015, Paul Juinn Bing Tan,2013. Quantitative method proves to be more appropriate for the study as it involves the testing of the theory constructs.…”
E-banking has become one of the most popular methods that has experienced considerably great attention in the financial services studies in the last few years. E-banking enables customers of the bank to conduct a range of financial services via the internet portal. It provides a solution in driving formal banking services uptake in the most cost-effective way, it has great benefits to both the customers as well as the banks i.e. convenience, cost reduction, ease and is an effective marketing tool. This research was conducted to determine the underlying factors that drive the adoption of e-banking services based on the UTAUT model and to recommend solutions that will address the identified underlying factors. A baseline study involving 313 respondents was undertaken with the sample consisting of Clients from the top five (5) banks in Zambia with the best digital capabilities. Questionnaires were administered to these Clients through purposive sampling to get information on their views on Internet banking services. Data was analysed using SPSS descriptive analysis. The results of the study revealed that the UTAUT factors; performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC) and behaviour intention (BI) have a significant impact in the adoption of e-banking services. Social influence (SI) was non-significant to the user’s intention to adopt e banking services.
“…Furthermore, both the technological acceptance factors and technical characteristics of Digital application found to have impact on use. Banks should place particular importance on improving the usability, ease of use and safeness of Digital Banking' site, since according to our results, they could affect directly and indirectly the use, forming a positive attitude towards these services, leading to their adoption and the increase of users' satisfaction (Sikdar et al, 2015;Mwiya et al, 2017;Ajimon, 2018;Alalwan et al, 2018;Nkyoi et al, 2019;Jahan et al, 2020;Malaquias & Silva, 2020;Sabbir et al, 2020).…”
Section: Discussionmentioning
confidence: 68%
“…The impact of technology acceptance factors, such as the perceived usefulness and ease of use of these applications is also significant. Both perceived usefulness, including saving money and time using these applications combined with a 24-hour service (Akinci et al, 2004;Daneshgadesh & Yildirim 2014;Ege & Tatar, 2017;Ajimon, 2018;Uddin et al, 2018), as well as the perceived ease of use of these services can lead directly and indirectly to their adoption (Chau & Ngai 2010;Al-smadi, 2012;Mwiya et al, 2017;Wan et al, 2005;Agrawal et al, 2017;Echchabi et al, 2019). A practical, simple, and straightforward operating application enhances the satisfaction of even already users, increasing its perceived value and establishing a positive attitude towards these services, leading to maintenance of the use (Altobishi et al, 2018;Nkyoi et al, 2019).…”
Greeks seem to be unfamiliar with online banking services, which was an obstacle to the smooth conduct of their transactions, especially during the Covid-19 period. The objective of the study is to reveal the dimensions that influence the use of Digital Banking, including users’ satisfaction and no users’ perceptions in Greece during Covid-19 period, using both econometrical and behavioral analysis approaches. Performing factor analysis, a Structural Equation Model and Multiple Logistic Regressions Models derived that both technological and personal factors, such as, personality and familiarity with banking products could impact the use and maintenance of the use of Digital-Banking in Greece. Besides, technical characteristics of services applications’ such as easiness in login and security influenced users’ satisfaction, while other traditional banking services such as ATM’s and automatic machines’ use, including the behavioral intention to change the way someone is conducting his/her banking transactions, could also be an obstacle in adoption. The particular study examines at the first time not only the perceptions of Greek consumers about electronic banking services, such as Digital-Banking, but also the factors, which will enhance the existing users’ satisfaction, in conjunction with the barriers that lead in non-adoption, including other banking services.
“…Όταν το άτομο αντιλαμβάνεται άνετη και εύκολη στη χρήση την ιστοσελίδας της ηλεκτρονικής τραπεζικής υπηρεσίας, τείνει να αποκτά θετική "Στάση" ως προς αυτήν αλλά και ως προς την υιοθέτηση της. Τα αποτελέσματα της μελέτης των Mwiya et al, (2017) H (6,7,8,9,10,11,12,13) α : Οι συμπεριφορικοί παράγοντες (στοιχεία της προσωπικότητας του ατόμου και τεχνολογικοί παράγοντες αποδοχής της τεχνολογίας) επιδρούν στην πιθανότητα κάποιος να είναι χρήστης των υπηρεσιών της Ψηφιακής Τραπεζικής.…”
Section: η ευκολία χρήσης των υπηρεσιώνunclassified
Βασικό στοιχείο της βιωσιμότητας του εκάστοτε τραπεζικού συστήματος σήμερα, αποτελούν οι ηλεκτρονικές υπηρεσίες και τα προϊόντα που σχετίζονται με τις τραπεζικές συναλλαγές των ατόμων που επιτελούνται από απόσταση. Ανά τα χρόνια κρίθηκε επιτακτική η ανάγκη για αναδιαμόρφωση ή δημιουργία τέτοιων υπηρεσιών και προϊόντων προσανατολισμένα στον άνθρωπο, τις αντιλήψεις και τις ανάγκες του, με απώτερο στόχο την ενίσχυση της ανταγωνιστικότητας των τραπεζών τόσο σε εθνικό όσο και σε διεθνές επίπεδο. Η παρούσα διδακτορική διατριβή πραγματεύεται την διερεύνηση και την αποτύπωση των παραγόντων εκείνων που επιδρούν στη χρήση των νέων και καινοτόμων τραπεζικών υπηρεσιών της Ψηφιακής Τραπεζικής και των αυλών τραπεζικών καρτών όπως επίσης και την επιλογή των τραπεζικών καρτών έναντι των μετρητών στις συναλλαγές των ατόμων στην Ελλάδα. Επιτελώντας έναν συνδυασμό οικονομετρικων, και συμπεριφορικων μεθόδων ανάλυσης συμπεριλαμβανομένης και της πειραματικής ανάλυσης, διαπιστώθηκε ότι υπάρχουν τόσο προσωπικοί παράγοντες όσο και αντιλήψεις των Ελλήνων καταναλωτών που δύναται να επηρεάσουν την χρήση ή μη των υπηρεσιών της Ψηφιακής Τραπεζικής και την επιλογή των τραπεζικών καρτών έναντι των μετρητών κατά τις διάφορες συναλλαγές τους. Παράγοντες επιρροής βρέθηκαν να αποτελούν επίσης η χρήση των υπολοίπων τραπεζικών υπηρεσιών, οι τομείς και τα είδη αγοράς που επιτελεί ο Έλληνας καταναλωτής όπως επίσης και το ύψος των συναλλαγών σε συνδυασμό με τα χαρακτηριστικά των τραπεζικών καρτών και των εφαρμογών της Ψηφιακής Τραπεζικής. Τέλος μέσα από την πραγματοποίηση ειδικά σχεδιασμένου πειράματος, επιτυγχάνεται η ανάλυση της πραγματικής συμπεριφοράς των Ελλήνων καταναλωτών ως προς την υιοθέτηση των άυλων τραπεζικών καρτών, προσδίδοντας επιπλέον κατευθυντήριες γραμμές στους ιθύνοντες των Ελληνικών τραπεζών αναφορικά με τα πρωτοποριακά αυτά τραπεζικά προϊόντα στην Ελλάδα.
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