Factors Influencing the Adoption of Internet Banking

Tan, Margaret; Teo, Thompson S. H.

doi:10.17705/1jais.00005

Cited by 1,017 publications

(1,039 citation statements)

References 36 publications

(34 reference statements)

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“…The use ATMs now belong firmly in the "modern" way of doing things. The significant contribution of Compatibility to the DOI model was also highlighted in other studies particularly those of Chen et al (2002) and Tan and Teo (2000).…”

Section: Test Of Hypothesessupporting

confidence: 63%

“…The Observability construct was not simply about watching others using the technology, but (as the results from the factor analysis revealed) involved perception and discernment, usually brought on by the influence of others ( in this case, other ATM users probably known to potential and new adopters). Other studies have shown the contribution of Observability to the DOI model (Tan and Teo, 2000;Taylor & Todd, 1995).…”

Section: Test Of Hypothesesmentioning

confidence: 97%

“…Spheres such as engineering, medicine, information systems, banking etc have been used to justify the DOI theory (Rogers, 1995;Tornatzky, & Fleischer, 1990). Mostly, the theory had been used in IT related technologies -software (Morris & Dillon, 1997), operating systems (Karahanna, Staub, & Chervany, 1999), Intranet Use (Horton et al, 2001), smart card readers (Plouffe et al, 2001), information systems processes (Mustonen-Ollilial & Lyytinen, 2003) and Internet banking (Gerrard & Cunningham, 2003;Kolodinsky et al, 2004;Tan & Teo, 2000). Moore and Benbasat (1991) used the DOI's attributes to develop an instrument that can be used to measure the perceptions of adopting an information technology.…”

Section: Research Modelmentioning

confidence: 99%

“…For users, only perceived usefulness an image was found significant. Tan and Teo (2000) utilized four DOI attributes, relative advantage, compatibility, complexity, and trialability, as part of their research model to predict the intention to adopt Internet banking services. They found that relative advantage, compatibility, and trialability significantly affected the intention to use Internet banking, whereas complexity was not significant.…”

Section: Research Modelmentioning

confidence: 99%

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The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation

Olatokun¹,

Igbinedion²

2009

IISIT

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This study tested the attributes of the theory of diffusion of innovation empirically, using Automatic Teller Machines (ATMs) as the target innovation. The study was situated in Jos, Plateau state, Nigeria. The population comprised banks customers in Jos who used ATMs. The sampling frame technique was applied, and 14 banks that had deployed ATMs were selected. Cluster sampling was employed to select respondents for the study. Data collection instrument was a structured questionnaire administered to 600 respondents of which 428 were returned giving 71.3% return rate. Principal Factor Analysis, and Multiple Regression were the analytical techniques used. The demographic characteristics of the respondents revealed that most of them were students and youths. From the factor analysis, it was revealed that the respondents believed in their safety in using ATM; that ATMs were quite easy to use and fit in with their way of life; that what they observed about ATMs convinced them to use it and that ATM was tried out before they use it. The constructs Relative Advantage, Complexity, Compatibility, and Trialability were all found to have a significant impact on the Attitude towards ATM, which in turn had a significant impact on the Intention to use it. Relative Advantage and Compatibility had almost the same weight of impact on Attitude; while Observability had the highest impact on attitude. To increase the diffusion of ATMs, it was recommended that banks should ensure enhanced salience of ATM to customers' needs, greater compatibility of ATM to customers banking norms and lifestyle, less complex and easy to use system and opportunity for adopters to experiment with the system before using ATMs.

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Section: Test Of Hypothesessupporting

confidence: 63%

Section: Test Of Hypothesesmentioning

confidence: 97%

Section: Research Modelmentioning

confidence: 99%

Section: Research Modelmentioning

confidence: 99%

See 2 more Smart Citations

The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation

Olatokun¹,

Igbinedion²

2009

IISIT

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“…Las ventajas relativas deben tener una relación positiva con la tasa de una innovación de la adopción ( [11] y [12]). Esta dimensión dentro del sector financiero es importante.…”

Section: Factor Actitudunclassified

Diseño y Validación de un Modelo de Regresión de la Intención de Recompra en un Servicio Bancario

Nieto¹,

Pombo²,

Correa³

2013

ingeniare

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This research considered the various factors that influence customer's loyalty intention in a banking service. Behavior Theory proposed by Fishbein y Ajzen [1] states that attitude, subjective norm and perceived control helps to understand customer intention. For data collection it was applied a survey to one thousand persons who uses banking services in Barranquilla city. Statistical analysis that was used applies factorial analysis and multivariate analysis, generating forecast models that use all the variables and factors that determine the planned behavior of a customer in the banking sector to positively promote service, his/her intention of invest in relationship, his/her intention of exclusivity, the intention to continue using the service and the intention of changing of bank. Key words: Planned behavior theory, Attitude, Factor analysis, Regression models. RESUMENEsta investigación tuvo en cuenta los diferentes factores que influyen en la intención de fidelización de un cliente en un servicio bancario. La teoría del comportamiento planteado por Fishbein y Ajzen [1] establece que la actitud, la norma subjetiva y el control percibido ayudan a conocer la intención de un cliente. Para la recolección de los datos se aplicó un cuestionario a mil personas en la ciudad de Barranquilla, que tenían un servicio bancario. El análisis estadístico que se utilizó involucra el análisis factorial y el análisis multivariado, dando como resultado modelos de pronósticos que toman en cuenta todas las variables y factores que determinan el comportamiento planeado de un cliente en el sector bancario a la intención de hablar positivamente del servicio, la intención de invertir en la relación, la intención de compra exclusiva, la intención de continuar, la intención de cambiar de proveedor. Palabras clave: Teoría del comportamiento planeado, Actitud, Análisis de factores, Modelos de regresión.

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2018

Society 5.0

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Factors Influencing the Adoption of Internet Banking

Cited by 1,017 publications

References 36 publications

The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation

The Adoption of Automatic Teller Machines in Nigeria: An Application of the Theory of Diffusion of Innovation

Diseño y Validación de un Modelo de Regresión de la Intención de Recompra en un Servicio Bancario

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