Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

scholarly journals ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

2020 ◽  
Vol 13 (3) ◽  
pp. 164
Author(s):  
Anggit Esti Irawati ◽  
Ehrmann Suhartono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Acceptance Model

<p>Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan <em>e-money</em>. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan <em>e-money</em> masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji <em>Technology Acceptance Model</em> (TAM) yaitu <em>perceived ease of use</em> dan <em>perceived usefulness</em>, selain itu juga menambahkan <em>perceived risk</em> untuk mengetahui pengaruh terhadap <em>attitude toward using</em> dan <em>actual use</em> terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan <em>Structural Equation Modeling</em> (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik <em>purposive sampling</em> terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa <em>perceived ease of use</em> dan <em>perceived usefulness</em> berpengaruh positif signifikan terhadap <em>attitude toward using</em> dan <em>actual use</em>. <em>Perceived risk</em> tidak berpengaruh signifikan terhadap <em>actual use</em> aplikasi LinkAja.</p>

scholarly journals An Investigation of University Student Readiness towards M-learning using Technology Acceptance Model

2015 ◽  
Vol 16 (4) ◽  
Author(s):  
Shakeel Iqbal ◽  
Zeeshan Ahmed Bhatti
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Personal Attitude ◽  
Acceptance Model ◽  
The Individual ◽  
Behavioral Intention To Use

<p>M-learning is<strong> </strong>learning delivered via mobile devices and mobile technology. The research indicates that this medium of learning has potential to enhance formal as well as informal learning.  However, acceptance of m-learning greatly depends upon personal attitude of students towards this medium; therefore this study focuses only on the individual context in which role of student’s readiness towards m-learning is investigated using Technology acceptance model (TAM). TAM is the popular choice among the researchers for investigating acceptance of any new technology primarily because of its robust and parsimonious nature. The sample selected for this study consisted of students from the private sector universities in a developing country. A structured questionnaire was used for data collection. The final results of investigation were based on 244 valid responses. The results indicate that the students’ skills and psychological readiness strongly influence their perceived ease of use (PEU) and perceived usefulness (PU) of m-learning, whereas both these constructs positively influenced their behavioral intention to use m-learning. The findings of this study have theoretical as well as practical implications which are discussed at the end.</p>

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING

2021 ◽  
Vol 10 (3) ◽  
pp. 246
Author(s):  
Samuel Martono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Random Sampling ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Financial Technology

ABSTRACTThis study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51. Keywords : Technology Acceptance Model, financial technology, lending. ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.

scholarly journals Adoption of branchless banking system as part of inclusive financial services: extension of Technology acceptance model

2020 ◽  
Author(s):  
Minyahil Assefa
Keyword(s):  
Technology Acceptance ◽  
Cultural Values ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Sociocultural Factors ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<i>The present study has extended the original technology acceptance model by adding sociocultural factors, facilitating conditions (FC), and trust constructs. The result confirmed that FC (the existence of local agents and government guaranty on banking transaction) directly affects an individual’s trust in BBS that leads to system adoption. The study also found that the effect of sociocultural factors on perceived usefulness is more substantial than its effect on perceived ease of use. Thus, the present study suggested that any elegant branchless banking system has no acceptance if it is not designed to align with the socio-cultural values of the users, specifically to their religion.</i>

scholarly journals User’s Technology Acceptance of thinkgather.com App-Based Platform: Collaboration and Networking App for Researchers

2020 ◽  
Author(s):  
Suryo Hadi Wira Prabowo ◽  
Achmad Murdiono ◽  
Puji Handayati ◽  
Budi Eko Soetjipto ◽  
Nangkula Utaberta ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Research Method ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Research Groups ◽  
Acceptance Model ◽  
Number Of Publications

This research is based on the desire to increase the amount of research and the number of publications resulting from the increased ease of finding research groups and accelerating the process of disseminating information in accordance with the field of research. This study was applied to a research group consisting of 50 research lecturers from universities. This research method was conducted by comparing the ease felt by the research lecturer in using the thinkgather.com application. The analysis applied in this study is based on the Technology Acceptance Model (TAM). TAM is a method used to determine the tendency of users to use new technology. The results of the research conducted are lecturers, as users of the thinkgather.com application, who have a high desire in using this application (BI). This was obtained because respondents showed a high Perceived Usefulness (U) of 82,5% and showed a high Perceived Ease of Use (E) of 85%. Based on these results states that the research lecturer, as a user, feels increased ease of collaboration and networking. Keywords: app-based platform, networking media, thinkgather.com, user’s technology acceptance

scholarly journals Adoption of branchless banking system as part of inclusive financial services: extension of Technology acceptance model

2020 ◽  
Author(s):  
Minyahil Assefa
Keyword(s):  
Technology Acceptance ◽  
Cultural Values ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Sociocultural Factors ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<i>The present study has extended the original technology acceptance model by adding sociocultural factors, facilitating conditions (FC), and trust constructs. The result confirmed that FC (the existence of local agents and government guaranty on banking transaction) directly affects an individual’s trust in BBS that leads to system adoption. The study also found that the effect of sociocultural factors on perceived usefulness is more substantial than its effect on perceived ease of use. Thus, the present study suggested that any elegant branchless banking system has no acceptance if it is not designed to align with the socio-cultural values of the users, specifically to their religion.</i>

scholarly journals Factors influencing online shopping intention: an extension of the technology acceptance model

2017 ◽  
Vol 126 (5B) ◽  
pp. 47
Author(s):  
Hà Ngọc Thắng ◽  
Nguyễn Thị Liên Hương
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Negative Effect ◽  
Multiple Regression Technique ◽  
Acceptance Model

<em>The aim of this research is to discuss and test the effect of the factors on Vietnamese consumers’ online shopping intention base on technology acceptance model. The questionnaire was sent directly to the respondents and through the Internet. After 5 months collecting, there were 423 valid replies being analyzed. The data were analyzed in accordance with the process from EFA to Cronbach's Alpha and multiple regression technique. The results showed that perceived usefulness, perceived ease of use and trust had a positive effect on consumers’ online shopping intention. While the factor of perceived risk had a negative effect on consumers’ online shopping intention.</em>

scholarly journals Menakar Penerimaan Wajib Pajak atas e-Bupot dengan Pendekatan Technology Acceptance Model

2021 ◽  
Vol 8 (02) ◽  
pp. 1-15
Author(s):  
Anak Agung Gede Eka Subama Putra ◽  
Luh Putu Mahyuni ◽  
Anak Agung Made Sastrawan Putra
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Web Based ◽  
Policy Makers ◽  
Study Approach ◽  
Acceptance Model

ABSTRACT The e-Bupot application is a web-based application that is useful for assisting taxpayers in fulfilling their tax obligations, especially the fulfillment of article 23/26 income tax obligations. This research was conducted with the aim of obtaining a description of taxpayer’s acceptance of the e-Bupot application by adopting an acceptance model in accordance with the technology acceptance model (TAM) theory. To achieve the aim of this research, this research uses a qualitative case study approach, with interview research methods conducted in depth to taxpayers registered at the Denpasar Medium Tax Office as research informants. This study indicates that taxpayers, who are informants of this research, have good acceptance of the e-Bupot application. The results showed that users knew the taxes rules and the aim of implementing the e-Bupot application. Informants of this study considered e-Bupot useful and easy to use. Based on the perception of usefulness, it was found that the e-Bupot applications makes work more quickly, improve job performance, increases productivity, effectiveness, makes job easier, and useful. While from the perceived ease of use, identified are that the e-Bupot application is easy to learn, controllable, application interactions are clear and understandable, there is interaction flexibility, improve the informant’s skill and the application is easy to use. User understanding of e-Bupot, perceived usefulness and perceived ease of use of the application can explain user acceptance of the e-Bupot application, trust from users to use the application explains the user’s attitude towards the e-Bupot application. A model explaining individual acceptance of new technology, particularly e-Bupot is offered in this study. Some suggestions for policy makers are also given to further improve the e-Bupot application. ABSTRAK Aplikasi e-Bupot merupakan aplikasi berbasis web yang berguna untuk membantu wajib pajak dalam pemenuhan kewajiban perpajakannya khususnya pemenuhan kewajiban perpajakan PPh Pasal 23/26. Penelitian ini dilakukan bertujuan agar mendapatkan gambaran ataupun deskripsi terkait penerimaan wajib pajak terhadap aplikasi e-Bupot dengan mengadopsi model penerimaan sesuai dengan teori Technology Acceptance Model (TAM). Untuk mencapai tujuan penelitian, penelitian menggunakan pendekatan kualitatif studi kasus, dengan metode penelitian wawancara yang dilakukan secara mendalam terhadap wajib pajak yang terdaftar di Kantor Pelayanan Pajak Madya Denpasar sebagai informan penelitian. Penelitian ini mengindikasikan bahwa wajib pajak, yang menjadi informan penelitian ini, memiliki penerimaan yang baik atas aplikasi e-Bupot. Hasil penelitian menunjukkan bahwa pengguna memahami aturan dan tujuan dari penerapan aplikasi e-Bupot. Informan penelitian ini menilai e-Bupot berguna dan mudah digunakan. Berdasarkan persepsi kegunaan, ditemukan bahwa aplikasi e-Bupot mempercepat pekerjaan, meningkatkan kinerja pekerjaan, meningkatkan produktivitas, efektif, mempermudah pekerjaan, bermanfaat dan membantu. Sementara persepsi kemudahan penggunaan yang diidentifikasi yaitu aplikasi e-Bupot mudah dipelajari, mudah mengerjakan yang diinginkan, interaksi aplikasi jelas dan dapat dipahami, terdapat fleksibilitas interaksi, keterampilan bertambah dan aplikasi mudah digunakan. Pemahaman pengguna atas e-Bupot, persepsi kegunaan dan persepsi kemudahan penggunaan aplikasi dapat menjelaskan penerimaan pengguna terhadap aplikasi e-Bupot, kepercayaan dari pengguna untuk menggunakan aplikasi menjelaskan sikap pengguna terhadap aplikasi e-Bupot. Sebuah model yang menjelaskan penerimaan individu akan teknologi baru, khususnya e-Bupot, ditawarkan penelitian ini. Beberapa saran bagi pengambil kebijakan juga diberikan untuk dapat lebih jauh menyempurnakan aplikasi e-Bupot.

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