Understanding Internet Banking Adoption and Use Behavior

2006 ◽  
pp. 308-330
Author(s):  
Siu-cheung Chan ◽  
Ming-te Lu
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Social Cognitive ◽  
Cognitive Theory ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
Use Behavior

This study investigates adoption/use behavior within the context of Hong Kong Internet Banking services. A research framework based on the extended Technology Acceptance Model (TAM2) and Social Cognitive Theory is developed to identify factors that would influence the adoption and continue use of Internet Banking. Structural Equation Modeling (SEM) is employed to examine the entire pattern of inter-correlations among the eight proposed constructs, and to test related propositions empirically. A survey involving a total of 499 university students is conducted and confirmatory factor analysis used to determine the measurement efficacies. The results reveal that both subjective norm and computer self-efficacy indirectly play significant roles in influencing the intention to adopt Internet Banking. Perceived ease of use has a significant indirect effect on intention to adopt/use through perceived usefulness, while its direct effect on intention to adopt is not significant.

scholarly journals Analisis Penggunaan E-Commerce Terhadap Peningkatan Permintaan Kuantitas Produk Pada UMKM di Kabupaten Banyumas (Suatu Pendekatan Teori Technology Acceptance Model)

2019 ◽  
Vol 10 (1) ◽  
pp. 63-74
Author(s):  
Dona Primasari ◽  
Sudjono Sudjono ◽  
Nining Abriani
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Use Behavior

Abstract. The long-term objective of this research is to enrich the development of science, especially the development of SMEs related to the adoption of information technology with studies using the Technology Acceptance Model. The specific aim of the research is to examine what factors are inhibiting the adoption of e commerce technology in SMEs in Banyumas Regency, as well as examining whether e-commerce adoption has an impact on increasing the demand for product quantities in SMEs. Collecting data in this study was carried out by distributing questionnaires through direct interviews with SMEs in Banyumas District who were respondents. The sampling technique in this study using random sampling technique. Whereas for data analysis using Statistical Product and Service Solution (SPSS) version 22.0 and Structural Equation Modeling (SEM) with AMOS program. The results of the study show that the Technology Acceptance Model theory is able to explain the institutions of SMEs actors to use e-commerce technology. Keywords: E-commerce, perceived usefulness, perceived ease of use, use behavior,TAM (Technology Acceptance Model) Abstrak. Tujuan jangka panjang penelitian ini adalah untuk memperkaya perkembangan ilmu, khususnya pengembangan UMKM terkait dengan adopsi teknologi informasi dengan kajian menggunakan Technology Acceptance Model.  Tujuan khusus penelitian adalah untuk menelaah faktor-faktor apakah yang menghambat adopsi teknologi e commerce pada UMKM di Kabupaten Banyumas, serta menelaah apakah adopsi e- commerce berdampak pada peningkatan permintaaan kuantitas produk pada UKM. Pengumpulan data dalam penelitian ini dilakukan dengan menyebarkan kuesioner melalui antar langsung kepada pelaku UMKM di Kabupaten Banyumas yang menjadi responden.  Teknik pengambilan sampel dalam penelitian ini dengan menggunakan teknik random sampling. Sedangkan untuk analisis data mengunakan Statistical Product and Service Solution (SPSS) versi 22.0 dan Structural Equation Modeling (SEM) dengan program AMOS. Hasil penelitian menunjukkan bahwa teori Technology Acceptance Model  mampu menjelaskan instensi para pelaku UMKM untuk menggunakan teknologi e-commerce.  Hasil penelitian juga berhasil menerima 3 (tiga) hipotesis yaitu Perceived usefulnes  berpengaruh terhadap use behavior, Perceived ease of use berpengaruh terhadap use behavior, use behavior  berpengaruh terhadap peningkatan permintaan kuantitas produk.  Hasil penelitian juga menunjukkan implementasi e-commerce tidak berpengaruh terhadap persepsi manfaat (perceived usefulness), Implementasi e-commerce tidak berpengaruh terhadap persepsi kemudahan pengoperasian sistem  (perceived ease of use) atau dengan kata lain menolak 2 (dua) hipotesis lainnya.Keywords. E-commerce, perceived usefulnes, perceived ease of use, use behavior,peningkatan permintaan, TAM  (Technology Acceptance Model)

Behavioral Intentions to Adopt Technological Innovations

2016 ◽  
pp. 1496-1508 ◽  
Author(s):  
Vanessa Ratten
Keyword(s):  
Cloud Computing ◽  
Technology Acceptance ◽  
Social Cognitive ◽  
Cognitive Theory ◽  
Perceived Usefulness ◽  
Technological Innovations ◽  
Intention To Adopt ◽  
Computing Services ◽  
Cloud Computing Services ◽  
Acceptance Model

Cloud computing services are a prominent innovation that has changed consumer behaviours towards adopting new technological services. Despite the popularity of this technological innovation the underlying factors that contribute to a consumer's intention to adopt cloud computing services has not been well researched. This paper builds upon the well-known behavioural intention theories of the technology acceptance model and social cognitive theory to develop and test a number of hypotheses designed to understand the factors influencing intention to use cloud computing services. The research hypotheses in the paper propose that perceived usefulness, consumer innovation attitude, social norms, performance expectancy and trust influence behavioural intentions of consumers towards cloud computing services. The hypotheses are tested in a sample of United States and Chinese consumers to understand whether there are differences in behavioural attitudes towards technological innovations. The paper identifies research limitations, practical implications and future research suggestions.

scholarly journals LIFESTYLE ON INTENTION THROUGH THE MEDIATION OF PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE

2015 ◽  
Vol 12 (1) ◽  
Author(s):  
Juniati Juniati ◽  
Indarini Indarini
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Lifestyle Factors ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
The Impact

This study aims to identify relevant lifestyle factors that affect consumer adoption of mobilephone (BlackBerry). Furthermore, this study attempts to examine the impact of lifestyle factorson perception and adoption of BlackBerry consumers. Using the technology acceptance model asa theoretical framework, the conceptual model depicts the relationships among lifestyles,perceptions, and intention. Two-step structural equation modeling was used to test the proposedhypotheses. Results of this study show that consumer lifestyle factors (fashion consciousness,Internet involvement, and e-shopping preference) are direct and indirect antecedents ofconsumers’ intention to adopt BlackBerry phone. Findings of this study provide marketers withinsights into how knowledge about lifestyle factors can be integrated into marketing andadvertising strategies.Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor gaya hidup yang mempengaruhiminat mengadopsi telepon selular (BlackBerry). Selain itu, penelitian ini bertujuan untukmenguji pengaruh faktor gaya hidup terhadap persepsi dan minat mengadopsi telepon selularBlackBerry. Studi ini menggunakan model penerimaan teknologi sebagai kerangka teori, modelkonseptual menggambarkan hubungan antara gaya hidup, persepsi, dan niat. Untuk mengujihipotesis yang diajukan digunakan pemodelan persamaan struktural. Hasil dari penelitian inimenunjukkan bahwa faktor gaya hidup konsumen (kesadaran fashion , keterlibatan internet, danpreferensi e-shopping) adalah anteseden langsung dan tidak langsung dari niat konsumen untukmengadopsi telepon selular BlackBerry. Temuan penelitian ini memberi pemasar wawasanmengenai bagaimana pengetahuan tentang faktor gaya hidup dapat diintegrasikan ke dalamstrategi pemasaran dan periklanan.

scholarly journals Students’ Intentions to Use Distance Education Platforms: An Investigation into Expanding the Technology Acceptance Model through Social Cognitive Theory

Electronics ◽  
2021 ◽  
Vol 10 (23) ◽  
pp. 2992
Author(s):  
Amany Al-Dokhny ◽  
Amr Drwish ◽  
Ibrahim Alyoussef ◽  
Ahlam Al-Abdullatif
Keyword(s):  
Distance Education ◽  
Technology Acceptance ◽  
Social Cognitive Theory ◽  
Technology Acceptance Model ◽  
Social Cognitive ◽  
Cognitive Theory ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

The current study aims to investigate the crucial factors that influence the behavioral intentions of students to use distance education platforms (DEPs). The tested Davis Expanded Technology Acceptance Model (TAM) was applied with Bandura’s social cognitive theory (SCT). This study included 453 university students using DEPs in the Kingdom of Saudi Arabia. A quantitative approach was adopted, and the results revealed that both perceived ease of use and usefulness have a strong influence on student intentions to use DEPs. Observational learning and computer self-efficacy also strongly influence perceived ease of use, and learner control with scaffolding was shown to significantly influence perceived usefulness. Moreover, the results confirmed the significant effect of perceived ease of use on perceived usefulness. Accordingly, the results provide valid support for an integrated framework including both TAM and SCT to understand how students may accept DEPs to improve their educational performance. This integration would help the decision-makers who are responsible for managing these platforms to assess the real needs of students at all higher education institutions.

Exploring College Students’ Intention to Adopt e-Textbooks: A Modified Technology Acceptance Model

Libri ◽  
2015 ◽  
Vol 65 (2) ◽  
Author(s):  
Chun-Hua Hsiao ◽  
Kai-Yu Tang ◽  
Chien-Hung Lin
Keyword(s):  
College Students ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Adopt ◽  
Proposed Model ◽  
Perceived Enjoyment ◽  
Acceptance Model

AbstractThis study aims to verify and propose a modified technology acceptance model (TAM) to understand the antecedents of e-textbook adoption among college students. An extended TAM is to investigate college students’ intention to adopt e-textbooks. Measurement items were drawn and modified from existing validated scales. After data were collected from college students in Taiwan, structural equation modelling was employed to examine and compare the proposed model with the original model. Moreover, two tests were conducted to determine the extent of common method variance in the current data. The empirical findings support the inclusion of perceived enjoyment in the TAM. The proposed model explained 43% of the variance in behavioural intention, but explained 71% of the variance in attitudes, suggesting an explication of how the different determinants influence college students’ adoption of e-textbooks. The significance of the chi-square difference between the two models indicates that our proposed model shows a better fit to the data than the TAM does. Besides, perceived enjoyment is a critical factor in the influence of attitudes towards the usage of e-textbooks. Perceived ease of use is more influential than perceived usefulness in the determination of attitudes.

Determinants of M-Commerce Adoption: An Empirical Study

GIS Business ◽  
2019 ◽  
Vol 14 (6) ◽  
pp. 783-794
Author(s):  
Nahil Abdallah ◽  
Hamzah Alkhazaleh ◽  
Amer Ibrahim ◽  
Mohamad Habli ◽  
Tawfik Zeki
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Intention To Adopt ◽  
Acceptance Model

M-commerce has very rapidly developed into a very powerful way of reaching out to the consumer. M-commerce has been a massive success in terms of users’ adoption in some markets like Japan, while, astonishingly, not as thriving in others. However, its acceptance and level of adoption are low in Palestine compared to other countries. The research main objective is to classify the key variables that influence the acceptance of M-commerce among higher education students in Palestine by developing an M-commerce adoption Model based on an extension of the Technology Acceptance Model (TAM).  A total of 430 questionnaires were collected and analyzed using Structural Equation Modelling (SEM) technique. The findings revealed that perceived usefulness, perceived ease of use, personnel innovation, security and privacy, subjective norms, and perceived trust are found to have an important effect on consumer behavioral intention to adopt M-commerce. These results will benefit stakeholders involved in M-commerce activities such as service providers, retailers, consumers, academicians, and students.

An Application of the Technology Acceptance Model to Individual Protective Measures (IPMs) Against Viruses

2021 ◽  
pp. 0-7:51 minutes
Author(s):  
Matti Haverila ◽  
Salma Husain
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Protective Measures ◽  
Influenza Pandemics ◽  
Environmental Measures ◽  
Acceptance Model

This presentation describes Technology Acceptance Model (TAM) when using individual protective measures (IPMs) against the spreading of viruses like COVID-19. The constructs in TAM are perceived usefulness, and ease of use, attitude towards the use of IPMs and the actual use as well as social influence, which were measured with relevant indicator variables. The statistical method used in the analysis was Partial Least Squares Structural Equation Modelling (PLS-SEM). IPMs include personal protective measures for everyday use (e.g., voluntary home isolation, respiratory etiquette, and hand hygiene); Personal protective measures for influenza pandemics (e.g., voluntary home quarantine, and use of face masks in community settings); and Environmental measures (e.g., routine cleaning of frequently touched surfaces). The results indicate that all relationships were significant also so that the effect sizes were large to medium with the exception of social influence -> perceived usefulness and social influence -> attitude towards usage.

scholarly journals Determinants of Attitudes of Computer Users: an Approach to the Technology Acceptance Model and Social Cognitive Theory

Webology ◽  
2021 ◽  
Vol 18 (SI03) ◽  
pp. 92-111
Author(s):  
Amirudd in ◽  
Grace T. Pontoh ◽  
Endang Sriningsih
Keyword(s):  
Technology Acceptance ◽  
Social Cognitive Theory ◽  
Technology Acceptance Model ◽  
Social Cognitive ◽  
Cognitive Theory ◽  
Computer Anxiety ◽  
Survey Methods ◽  
Ease Of Use ◽  
Perceived Playfulness ◽  
Acceptance Model

This work desires to observe and analyze (1) the computer anxiety consequence, self-adequacy of technology, perceived playfulness and understood ease of use the approach of using computers; (2) the consequence of computer anxiety, computer self-adequacy, and perceived playfulness, on the attitude of using computers mediated by. This study is a significant research and uses survey methods with data collection techniques using questionnaires and data analyzed using AMOS statistical software. The outcomes demonstrated that (1) computer self-adequacy, perceived playfulness and had a serious influence on the mentality of utilizing computers; (2) computer anxiety doesn’t have a straight influence on the attitude of using a computer; and (3) computer self-efficacy, computer anxiety and perceived playfulness have a serious influence on the potential of using computers across whole variable anticipated usability. This research can give to the development of science and technology with the Technology Acceptance Model and Social Cognitive Theory which theoretically can provide evidence and support for the progress of research in the scope of behavioral accounting, can form a positive attitude of students in the learning process so as to produce outstanding graduates who are able to accept technological developments.

A comprehensive acceptance model for smart home services

2022 ◽  
Vol 6 (1) ◽  
pp. 45-58 ◽  
Author(s):  
Amer Al-Husamiyah ◽  
Mahmood Al-Bashayreh
Keyword(s):  
Technology Acceptance ◽  
Smart Home ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Smart home services (SHSs) afford users an effective lifestyle management system, which provides human-oriented networking of smart devices and applications that enable users to control their homes from anywhere at any time. Despite the benefits of SHSs, however, their acceptance is very low. There remains a gap in the literature in terms of a comprehensive model that addresses users’ intention to use SHSs. To address this gap, the present study explored the factors that influence SHS acceptance among users based on well-established theoretical frameworks, such as the technology acceptance model, innovation diffusion theory, and the theory of planned behavior. To this end, the study integrated four additional factors, namely, perceived convenience, perceived connectedness, perceived cost, and perceived privacy risk, into the exploration and carried out structural equation modeling to quantitatively determine the effects of these factors. Questionnaires were administered to 750 users. The findings indicated that perceived compatibility, perceived convenience, perceived connectedness, perceived cost, perceived behavioral control with perceived usefulness, and perceived ease of use directly and indirectly exerted a significant influence on users’ intention to use SHSs.

User Acceptance of IoT Applications in Retail Industry

2017 ◽  
pp. 28-49 ◽  
Author(s):  
M. S. Balaji ◽  
Sanjit Kumar Roy ◽  
Aditi Sengupta ◽  
Alain Chong
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Customer Experience ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Internet Technology ◽  
Iot Applications ◽  
Task Technology Fit ◽  
Customer Attitude ◽  
Acceptance Model

With the rapid advancements in the internet technology, many retailers are embracing internet of things technology to enhance customer experience and improve efficiency. Specifically, many customer-facing IoT technologies such as augmented reality, smart shopping carts, smart displays, and RFID tags are expected to change the way customers experience retailing shopping. Drawing on the technology acceptance model, trust perspective, task-technology fit, and organizational reputation perspective, this study examines the customer adoption of IoT applications in retail setting. Responses collected from 289 actual retail shoppers were analyzed using structural equation modeling. Results reveal that perceived usefulness, perceived ease of use, task-technology fit, retailer reputation, and initial trust are significant predictors of customer attitude and intentions to use IoT in retail stores. The study findings have key implications for academicians and retailers in improving customer acceptance and in delivering superior customer experience.

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