Technology Acceptance Model for the Internet Banking Acceptance in Split

Abstract

Background: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.

The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank

“…This shows that Islamic bank customers feel more benefits from IB during the Covid-19 pandemic, compared to before the Covid-19 pandemic. This is consistent with the research of Chiou & Shen (2012;Kaur & Malik (2019), and Vukovic et al (2019). SN in Islamic and conventional banks before and during the Covid-19 pandemic significantly influenced the customer intention to adopt IB.…”

“…Many researchers in the field of information systems (IS) showed the positive impact of PU on AT and intention to adopt IB using TAM (Heryani et al, 2020). Besides, some previous studies on IB have provided empirical evidence that PU has a significant positive effect on AT and intention (Kaur & Malik, 2019;Vukovic et al, 2019). Previous research has also proven that PU could mediate the effect of external factors on AT and intention.…”

“…Several existing literature reveals that PEU affects an individual's intention to use IB (Davis et al, 1989;Kaur & Malik, 2019). Several studies on the use of IB have found that PEU influences customer intention to use IB (Giovanis et al, 2012;Vukovic et al, 2019). Besides, several studies have found that PEU of IB will enhance customer intention to use various transactions (Abbad, 2013).…”

“…Initially, banks need to concentrate on providing IB channels compatible with other common technologies used by customers. At the same time, banks need to convince them that using these channels is not much different from other technologies (Vukovic et al, 2019).…”

Electronic banking adoption in Ethiopia: an empirical investigation

“…However, trust has been positively linked to trust in e-banking. The idea for this study arises from the model of the introduction of electronic banking technology (Vukovića et al 2019). In the underdeveloped countries, the greater overall diversity of the e-banking acceptance model shows the value of TR and PEOU.…”