Conceptual Model on Internet Banking Acceptance in China with Social Network Influence

2021 ◽  
Vol 5 (2) ◽  
Author(s):  
Guo Yi ◽  
Norziha Megat Mohd. Zainuddin ◽  
Nur Azaliah Bt Abu Bakar
Keyword(s):  
Social Network ◽  
Social Influence ◽  
Technology Acceptance ◽  
Structured Interview ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Social Network Influence

The Internet of Things and Industry 4.0 is changing the way we live including Internet Banking. Although, the government has been encouraging, the acceptance of internet banking is still not well received by Chinese customers. The reason is because they are more concerned about the economic development on the banking industry, and less concerned about technology acceptance and its development. This lack of acceptance is also attributed to the current lack of social network influence to internet banking which including its weak compliance, lack of identification, and lack of internalization. This paper aims to identify the factors that may be influencing IB acceptance by proposing a model which can determine customer’s behavioural intention based on social network influence. The TAM, UTAUT and the Social Influence Theory (SIT) were simultaneously adopted for this study. It is to use the TAM model’s perceived ease of use and perceived usefulness, the UTAUT model’s social influence, and the SIT’s compliance, identification and internalization factor for the analysis. For this purpose, a preliminary study was first administered so as to identify customers’ attitude of the IB acceptance. Thirty respondents were recruited for a structured interview. The behavioural intention and social network influence on internet banking in China was then examined with the proposed model. It appears that the model can be used to forecast Chinese customers’ acceptance of internet banking. It will give benefits to bank and society on paying attention to the influence of social network for internet banking in China.

Factors influencing IT Adoption by Bank Employees: An Extended TAM Approach

2013 ◽  
Vol 38 (4) ◽  
pp. 83-96 ◽  
Author(s):  
Rupanjali Nath ◽  
Kanika T Bhal ◽  
Geetika T Kapoor
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Bank Employees ◽  
Computer Self Efficacy

The use of Information Technology (IT) in the banking sector has seen a phenomenal growth in India. For its effective use and implementation, employees' acceptance and the consequent use of IT are important. Davis' Technology Acceptance Model (TAM) (1989) explains users' acceptance of electronic systems. By applying the extended TAM approach to this study, the authors aim to uncover various factors that affect the attitude and acceptance of bank employees towards CBS. The TAM model identifies perceived usefulness (PU), and perceived ease of use (PEU) as impacting attitude towards IT and behavioural intention. The model is extended by identifying social influence, computer self-efficacy, and technological facility as factors affecting perceived usefulness and perceived ease of use. The target respondents for this study were bank employees from the public and private sectors banks (State Bank of India, Union Bank, Bank of India, ICICI Bank, and Axis Bank) situated in the National Capital Territory (NCT) of Delhi. Measurement items applied in this study were an adaptation of previously validated measures or were developed on the basis of a literature review. Responses were analysed using the 7-point Likert Scale that ranged from (1) ‘strongly disagree’ to (7) ‘strongly agree’. To test the reliability of the measures, a pilot study was conducted with 20 randomly chosen employees and modified scales. Structural equation modelling was used to analyse the data. Overall, the findings suggest that extended TAM variables positively influence the intention and usage behaviour through PU and PEU. That is, social influence enhances perceived usefulness; and computer self-efficacy and technology facility influence the perceived ease of use. Again, perceived ease of use significantly influences perceived usefulness which in turn has significant effect on behavioural intention and usage behaviour. Social influence of superiors was the prominent determinant of perceived usefulness of the CBS technology. Hence the role of managers as effective communicators is heightened especially in conveying the benefits of using IT and in turn achieving organizational goals.

Expanding the Technology Acceptance Model to Examine Internet Banking Adoption in Tunisia Country

2013 ◽  
Vol 4 (4) ◽  
pp. 61-81 ◽  
Author(s):  
Wadie Nasri ◽  
Charfeddine Lanouar ◽  
Anis Allagui
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and privacy, self efficacy, social influence, and awareness of services and its benefits have significant effects on the perceived usefulness (PU), perceived ease of use (PEOU) and attitude toward Internet banking acceptance. Age and education have also significant impact on the attitude towards the likelihood of adopting online banking. These findings may provide for banks useful guidelines for developing Internet banking services and for marketing Internet banking.

Factors Influencing the Adoption of Payment Banks in India Using an Extended TAM

2021 ◽  
pp. 2319510X2110135
Author(s):  
Japneet Kaur ◽  
Sawraj Kaur ◽  
Amanjot Singh Syan ◽  
Rishi Raj Sharma
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
Behavioural Intentions ◽  
Facilitating Conditions

The purpose of this study is to investigate the factors that shape behavioural intentions of customers towards the adoption of payment banks in India. The conceptual framework of study is based upon integration of technology acceptance model with initial trust, facilitating conditions and social influence. Further, the study tests the moderating role of age, income and self-efficacy on the relationships between dependent variable and associated predicted variable. A total of 507 responses were collected from the state of Punjab (India), using convenient sampling technique and were analysed using the structural equation modelling (SEM). The results revealed that perceived ease of use had the highest impact on the behavioural intentions, followed by initial trust and social influence. Facilitating conditions and perceived usefulness showed lower impact on the behavioural intentions towards the adoption of payment banks. Also, moderation analysis revealed that self-efficacy moderates the relation of perceived ease of use and perceived usefulness with behavioural intentions. Results imply that marketers should collaborate with developers to provide the customers with easy-to-operate solutions along with robust customer support mechanism to escalate the adoption intention of those having lower self-efficacy levels.

Adoption of Short Messaging Service (SMS) in Malaysia

2010 ◽  
Vol 1 (1) ◽  
pp. 41-51
Author(s):  
Ainin Sulaiman ◽  
Ali Hussein Saleh Zolait
Keyword(s):  
Technology Acceptance ◽  
Significant Relationship ◽  
Current Trend ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Future Research ◽  
Perceived Ease Of Use ◽  
Short Messaging Service ◽  
Perceived Enjoyment

Short Messaging Service (SMS) being an almost instantaneous communication medium that connects people is now a phenomenon that has grown and spread around the globe at an amazing speed. Given the current trend of SMS usage and its potential growth, this paper provides an insight into SMS adoption. The study attempts to delineate the demographics and usage profile of SMS users in Malaysia, as well as explaining the factors influencing SMS adoption in Malaysia by using a modified version of the Technology Acceptance Model (TAM), which was originally introduced by Davis (1989). The study presents the demographic and usage profile in terms of gender, age, occupation, monthly personal income, extent of SMS usage and so forth of 489 SMS users from four institutions of education in the Klang Valley and Selangor. The present research uses and validates the scales for variables developed by earlier studies, namely perceived usefulness, perceived ease of use, perceived enjoyment, and perceived fees, which are hypothesized to be fundamental determinants of behavioural intention. The scale items for the said variables were tested for reliability, correlation and regression. The application of correlation analysis reveals a significant relationship among the independent variables, namely, perceived usefulness, perceived enjoyment, and perceived ease of use with the dependent variable that is behavioural intention. With regards to the level of importance derived from regression analysis, usefulness ranks the highest, followed by ease of use and enjoyment in explaining SMS adoption in Malaysia. Perceived fees do not seem to have a significant relationship with behavioural intention. Some implications, limitations and recommendations for future research are also discussed.

scholarly journals Structural Equation Modeling for Mobile Learning Acceptance by University Students: An Empirical Study

2020 ◽  
Vol 12 (20) ◽  
pp. 8618
Author(s):  
Quadri Noorulhasan Naveed ◽  
Mohammad Mahtab Alam ◽  
Nasser Tairan
Keyword(s):  
University Students ◽  
Social Influence ◽  
Technology Acceptance ◽  
Mobile Learning ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Mobile Learning Acceptance ◽  
Facilitating Conditions

Advanced mobile devices and global internet services have enhanced the usage of smartphones in the education sector and their potential for fulfilling teaching and learning objectives. The current study is an attempt to assess the factors affecting mobile learning acceptance by Saudi university students. A theoretical model of mobile learning acceptance was developed based on the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT) model. Theoretically, five independent constructs were identified as most contributory towards the use of mobile learning and tested empirically. Data were collected through an online survey and analyzed using SmartPLS. The results of the study indicate that four constructs were significantly associated with mobile learning acceptance: perceived usefulness (β = 0.085, t = 2.201, and p = 0.028), perceived ease of use (β = 0.031, t = 1.688, and p = 0.013), attitude (β = 0.100, t = 3.771, and p = 0.037), and facilitating conditions (β = 0.765, t = 4.319, and p = 0.001). On the other hand, social influence was insignificant (β = −0.061, t = 0.136, and p = 0.256) for mobile learning acceptance. The contribution of social influence towards the use of mobile learning was negative and insignificant; hence, it was neglected. Thus, finally, four constructs (perceived usefulness, perceived ease of use, attitude, and facilitating conditions) were considered as important determinants of mobile learning acceptance by university students.

scholarly journals A Study on Public Adoption of Robo-Taxis in China

2020 ◽  
Vol 2020 ◽  
pp. 1-8
Author(s):  
Mingyu Liu ◽  
Jianping Wu ◽  
Chunli Zhu ◽  
Kezhen Hu
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Traffic Congestion ◽  
Autonomous Vehicles ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
High Price ◽  
Perceived Ease Of Use ◽  
Linear Regression Models

Autonomous vehicles (AVs) have been reported to improve road safety, reduce traffic congestion, and increase urban mobility. However, the high price of AVs is currently a challenge for most consumers. Robo-taxi services, with ride-sharing services and AVs, are regarded as a good approach to solving this problem. As some companies have started testing Robo-taxis on the actual road, it has become important to investigate public adoption of Robo-taxi services before they are more widely introduced to the market. This study aims to explain and predict users’ acceptance of Robo-taxis by extending the Technology Acceptance Model by including the construct of social influence. Data were collected from an online survey in China and analyzed using linear regression models. The results indicate that perceived usefulness, perceived ease of use, and social influence have significant positive correlations with people’s behavior intentions to use Robo-taxis. Perceived ease of use further has an indirect effect on intention to use via perceived usefulness. The results of this study can serve as good references for policymakers, operators, and future transport researchers.

A Study on the Acceptance Factors of the Smart Phone

2010 ◽  
Vol 20-23 ◽  
pp. 762-767 ◽  
Author(s):  
Youngon Cho ◽  
Saeha Jeon ◽  
Gui Young Choi
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Significant Influence ◽  
Smart Phone ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Theoretical Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Factors

Mobile convergence has brought about many changes in the modern society. Especially, combining strengths of existing mobile phones and PDA functionality, smart phone is able to overcome the time and location limitations that existing desktop did not meet. This study tried to examine factors influencing intention to use of smart phone based on the theoretical studies on technology acceptance model. Applying to smart phones relevant theoretical relations extracted from previous theoretical research background on mobile devices, mobility, interactivity, innovativeness, social influence and job fitness were selected as independent variables of acceptance factors of smart phone and then research model and hypotheses were established by using these variables. To verify the hypothesis on whether smart phone acceptance factors have a significant influence on perceived ease of use and perceived usefulness, innovativeness was in significant influence on perceived ease of use, social influence was in significant influence on perceived usefulness and mobility and interactivity were in significant influence on both variables. As a result of analysis on perceived usefulness and intention to use, the mediating variables of perceived ease of use was in significant influence on perceived usefulness and perceived usefulness was in significant influence on intention to use.

scholarly journals Technology acceptance application model on internet banking service in BRI Bank Denpasar Indonesia

2019 ◽  
Vol 6 (4) ◽  
pp. 135-146
Author(s):  
Ari Melaning ◽  
I.G.A.K. Giantari
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Internet Banking ◽  
Sem Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
The Relationship

This study aims to explain the effect of perceived usefulness, and perceived ease of use, on attitude toward using, and behavioral intention of use at BRI banks Denpasar. The technique used to test the research hypothesis uses Structural Equation Modeling (SEM) analysis techniques using SMARTPLS assistance, using IBM SPSS Statistics 22. The population in this study were all BRI Bank customers in Denpasar who used Internet Banking, the number of samples in this study was 150 respondents, who were taken using Purposive Sampling techniques. The results showed that (1) the attitude toward using had a positive and significant effect on the behavioral intention of use (2) perceived ease of use had a positive and significant effect on attitude toward using (3) perceived usefulness had a positive and significant effect on the behavioral intention of use. (4) perceived ease of use has a positive and significant effect on the behavioral intention of use (5) perceived usefulness has a positive and significant effect on attitude toward using. (6) attitude toward using can mediate the relationship between perceived usefulness to the behavioral intention of use. (7) the attitude toward using can mediate the relationship between perceived ease of use on the behavioral intention of use.

scholarly journals Analysis of the technology acceptance model in examining students' behavioural intention to use an e-portfolio system

2011 ◽  
Vol 27 (4) ◽  
Author(s):  
Ronnie H. Shroff ◽  
Christopher C. Deneen ◽  
Eugenia M. W. Ng
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Significant Influence ◽  
Individual Characteristics ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<span>In recent years, instructors have had an increasing interest in integrating Internet based technologies into their classroom as part of the learning environment. Compared to studies on other information systems, student users' behaviour towards e-portfolios have not been assessed and thoroughly understood. This paper analyses the Technology Acceptance Model (TAM) in order to examine students' behavioural intention to use an electronic portfolio system, meaning how students use and appropriate it within the specific framework of a course. An E-Portfolio Usage Questionnaire was developed using existing scales from prior TAM instruments and modified where appropriate. Seventy-two participants completed the survey questionnaire measuring their responses to perceived usefulness (PU), perceived ease of use (PEOU), attitudes towards usage (ATU) and behavioural intention to use (BIU) the e-portfolio system. The results of the study indicated that students' perceived ease of use (PEOU) had a significant influence on attitude towards usage (ATU). Subsequently, perceived ease of use (PEOU) had the strongest significant influence on perceived usefulness (PU). The research further demonstrated that individual characteristics and technological factors may have a significant influence on instructors to adopt e-portfolio into their courses. Results suggest that TAM is a solid theoretical model where its validity can extend to an e-portfolio context.</span>

Adoption of Short Messaging Service (SMS) in Malaysia

2012 ◽  
pp. 44-55
Author(s):  
Ainin Sulaiman ◽  
Ali Hussein Saleh Zolait
Keyword(s):  
Technology Acceptance ◽  
Significant Relationship ◽  
Current Trend ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Short Messaging Service ◽  
Perceived Enjoyment ◽  
Acceptance Model

Short Messaging Service (SMS) being an almost instantaneous communication medium that connects people is now a phenomenon that has grown and spread around the globe at an amazing speed. Given the current trend of SMS usage and its potential growth, this paper provides an insight into SMS adoption. The study attempts to delineate the demographics and usage profile of SMS users in Malaysia, as well as explaining the factors influencing SMS adoption in Malaysia by using a modified version of the Technology Acceptance Model (TAM), which was originally introduced by Davis (1989). The study presents the demographic and usage profile in terms of gender, age, occupation, monthly personal income, extent of SMS usage and so forth of 489 SMS users from four institutions of education in the Klang Valley and Selangor. The present research uses and validates the scales for variables developed by earlier studies, namely perceived usefulness, perceived ease of use, perceived enjoyment, and perceived fees, which are hypothesized to be fundamental determinants of behavioural intention. The scale items for the said variables were tested for reliability, correlation and regression. The application of correlation analysis reveals a significant relationship among the independent variables, namely, perceived usefulness, perceived enjoyment, and perceived ease of use with the dependent variable that is behavioural intention. With regards to the level of importance derived from regression analysis, usefulness ranks the highest, followed by ease of use and enjoyment in explaining SMS adoption in Malaysia. Perceived fees do not seem to have a significant relationship with behavioural intention. Some implications, limitations and recommendations for future research are also discussed.

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