Perception and prediction of intention to use online banking systems

Abstract

Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of online banking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers. To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that perceived ease of use, perceived usefulness, attitude towards use, government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future.

The Intention to Use Fitness and Physical Activity Apps: A Systematic Review

“…Approximately a half of the studies (n = 8) used university students as a sample, followed by studies that considered users of sports applications (n = 4) and other studies took as their general population [54][55][56], a population of sports consumers [45], employees of a sports organization [57] and members of a fitness community [44,58]. Most studies had a higher proportion of females than males (n = 9), followed by studies that had parity in the sample (n = 5), four studies had a higher proportion of males while one study did not indicate the gender distribution of the sample [34]. Finally, all studies except Ha et al [42] and Yoo et al [53] reported some data on the age of the subjects.…”

“…With regard to other methodological aspects of the studies, it should be noted that all the studies found have had a cross-sectional approach, and no longitudinal study has been found to evaluate the evolution of the subject and his or her real intention to continue using said App. Chen and Lin [34] point out that there may be a discrepancy between the ITU of the App on the part of the consumer and the actual use that they make of this App afterwards. In general, this has been a relationship that some studies have considered [1,35,43]; however, as these are cross-sectional studies, it has not been possible to verify the change that they have had with respect to a lesser or greater use of the App.…”

“…The role of ICTs in sustainable development is clearly reflected in Goal 11 "make cities and human settlements inclusive, safe, resilient and sustainable" of the Sustainable Development Goals of the their sport teams, how their level of participation and commitment to the sport team influences the intention to use the website and the actual consumption behavior they ultimately perform. Based on these models and theories, in recent years researchers have paid attention to the intention to use new technologies in different contexts such as e-payment, e-government, e-banking, retail or education [32][33][34][35][36]. Similarly, in academic sports literature there is also an increasing attention to the behavior of fans and consumers, with studies with different approaches such as motivation on sports websites [31], loyalty [37], participation, commitment and attributes [38,39], marketing opportunities [40], intention to use sports wearable [41], consumption of Smartphones and sports Apps [42], sports team Apps [1], fitness Apps [43,44] and sports products [45,46].…”

The rise of online banks in Italy “WIDIBA Bank” Case Study

“…Extensive literature on the online banking is based on the Technology Acceptance Model (TAM) (Lee et al, 2003), which was introduced by Davis (1986) for the first time to assess the introduction of information systems into organizations. The approaches based on extended TAM models applied to the online banking industry focused on the following drivers: a) trust; b) usage constraint; c) ease of use; d) accessibility; e) intention to Use (Sikdar et al, 2015); d) perceived usefulness; e) government support; f) risk (Hossain et al, 2020); g) perceived credibility; h) customer awareness; and i) social influence (Lavenjia and Hatammimi, 2015). The case study methodology was also widely used to analyse the evolution of the spread of online banking in general terms regarding security (Hole et al, 2006;Petratos and Faccia, 2019), service quality (Gonzalez et al, 2008;Loonam et O'loughlin, 2008), at a country level application in Saudi Arabia (Al-Somali et Gholami, 2009), in Nigeria (Omonaiye et al, 2015), in Oman (Khalfan et al, 2006), in Malaysia (Tan et al, 2010), in Romania (Guraau, 2002), in Ghana (Perkins and Annan, 2013), in India (Iyengar and Belvalkar, 2009), in Thailand (Nochai and Nochai, 2013), in Finland (Pikkarainen et al, 2006), in China (Hua, 2008), and with regard to specific banks such as Citybank UAE (Al-Mudimigh, 2003), and Saman Bank Iran (Saeednia and Abdollahi, 2012).…”

Online banking adoption in Spanish cities and towns. Finding differences through TAM application

“…Several investigations have studied TAM's performance in diverse contexts within developed and developing countries around the world. In previous years, studies on internet banking were conducted in Taiwan (Lee, 2009;Yen & Wu, 2016), India (Hossain et al, 2020), Bangladesh (Kumar Sharma & Madhumohan Govindaluri, 2014), Iran (Yaghoubi & Bahmani, 2010), Pakistan (Haider et al, 2019), Jordan (Rawashdeh, 2015) and UK (McKechnie et al, 2006) among others. Nevertheless, a few studies have focussed on Spanish online banking use through TAM.…”