Modeling User Acceptance of Internet Banking in Malaysia

2011 ◽  
pp. 1-23 ◽  
Author(s):  
Kamel Rouibah ◽  
T. Ramayah ◽  
Oh Sook May
Keyword(s):  
Behavioral Control ◽  
Explanatory Power ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
User Intention ◽  
Intention To Adopt ◽  
Five Factors

This study is the first empirical research that compares three well known technology adoption models in the in the field of e-banking. It aims to determine the dominant factor(s) which influence the user intention to use Internet banking. Three models (TAM, TPB, and TRA) were used to test the impact of five factors (perceived ease of use, perceived usefulness, attitude, subjective norms, and perceived behavioral control) on intention to adopt e-banking by 239 individual bank customers in Malaysia. Survey questions from prior studies were adopted and customized. Partial least Square (PLS) SmartPLS M2 Version 2.0 was used for data analysis. Results reveal that the five factors have a direct positive effect on behavioral intention to use Internet banking. However, attitude toward behavior has the highest beta, followed by perceived usefulness, and subjective norm, while perceived behavioral control exerts the weakest effect. In testing the explanatory power of the different models, results found TAM model has the best explanatory power, followed by TPB and TRA models. Findings of the study should benefit banks in improving their use of e-banking technologies as a strategic weapon, and can be used to target more potential customers.

Identifying Priority Using an Importance-Performance Matrix Analysis (IPMA)

2014 ◽  
Vol 6 (1) ◽  
pp. 1-15 ◽  
Author(s):  
T. Ramayah ◽  
Lo May Chiun ◽  
Kamel Rouibah ◽  
Oh Sook May
Keyword(s):  
Behavioral Control ◽  
Internet Banking ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Matrix Analysis ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Performance Matrix

This study used the combined Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) as the theoretical underpinning to examine the adoption of Internet banking. Five factors (perceived ease of use, perceived usefulness, attitude, subjective norms, and perceived behavioral control) were identified to model their impact on intention to adopt Internet banking individual bank customers in Malaysia. Survey questions from prior studies were adopted and customized to collect data. A total of 239 customers responded to the survey. Partial least Square (PLS) SmartPLS M2 Version 2.0 was used for data analysis. Perceived ease of use significantly influenced perceived usefulness but did not impact attitude. Perceived usefulness was positively related to attitude and also intention to use. Attitude and subjective norm were significant predictors of intention to use while perceived behavioral control was not significant. Further to that we conducted an Importance-Performance matrix analysis to determine priority variables to focus on for the implications to practitioners.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

2011 ◽  
Vol 2 (4) ◽  
pp. 17-37 ◽  
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

2013 ◽  
pp. 288-309
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

scholarly journals Effects of Subjective Norms, Perceived Behavioral Control, Perceived Risk, and Perceived Usefulness towards Intention to Use Credit Cards in Surabaya, Indonesia

2020 ◽  
Vol 76 ◽  
pp. 01032
Author(s):  
Njo Anastasia ◽  
Samiaji Santoso
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Behavioral Control ◽  
Credit Cards ◽  
Subjective Norms ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Advantages And Disadvantages

Credit cards are becoming one of the most-used method of payment, both domestic and overseas. Consumers need not hassle with carrying cash to pay, hence reducing the risk of losing your money. Credit cards however, have their own drawback as it can be hacked, resulting in the breach of personal information by a third party, and abusing it to make transactions unknown to the card owner. This phenomenon is still in debate among credit card holders. As such, the purpose of this study is to test the effects of subjective norms, perceived behavioral control, perceived risk, and perceived usefulness towards the intention to use credit cards. Psychological factor and risk level becomes a challenge to card holders when they are making a transaction. Purposive sampling technique is used to gather data through questionnaire spread in both hardcopy and online to 100 credit card owners in Surabaya. Data is then processed using Partial Least Square (PLS). Analyzation result shows subjective norms, perceived behavioral control, and perceived usefulness significantly affects the intention to use credit cards, while perceived risk does not. The result of this study shows that by fully understanding both the advantages and disadvantages of credit cards, consumers can use it to make better financial planning, and not making transactions that leads to a certain lifestyle.

Social psychological predictors of adoption intention for solar water heaters in rural China

2019 ◽  
Vol 47 (12) ◽  
pp. 1-13
Author(s):  
Xingdong Wang ◽  
Yanling Xiong ◽  
Rong Yang ◽  
Peijuan Yu
Keyword(s):  
Behavioral Control ◽  
Economic Cost ◽  
Subjective Norm ◽  
Perceived Usefulness ◽  
Policy Support ◽  
Perceived Behavioral Control ◽  
Social Psychological ◽  
Solar Water ◽  
Intention To Adopt ◽  
Adoption Intention

As solar water heater (SWH) technology becomes more economical, fully developed, and popular, the Chinese government has endeavored to promote rural residents' adoption of SWHs. We applied the technology acceptance model and the theory of planned behavior to investigate how the social psychological factors of perceived ease of use, perceived usefulness, subjective norm, perceived behavioral control, policy support, and economic cost affected the intention to adopt SWHs among a sample of 427 rural residents living in Jiangxi Province, China. The results indicated that subjective norm and perceived behavioral control had positive impacts on the intention to adopt SWHs. In addition, both perceived usefulness and policy support significantly predicted adoption intention, whereas economic cost had a negative impact on adoption intention. Implications of the results are discussed.

scholarly journals Analyzing of User Attitudes Toward Intention to Use Social Media for Learning

SAGE Open ◽  
2021 ◽  
Vol 11 (4) ◽  
pp. 215824402110607
Author(s):  
Deli Yuan ◽  
Muhammad Khalilur Rahman ◽  
Md. Abu Issa Gazi ◽  
Md. Atikur Rahaman ◽  
Mohammad Mainul Hossain ◽  
...  
Keyword(s):  
Social Media ◽  
Media Literacy ◽  
Perceived Risk ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Risk Dimensions

The study has aimed to investigate the factors affecting university students’ attitude toward intention to use social media for learning. This study embraced a cross-sectional approach and gathered quantitative data via a Google form survey, which was collected by using social media platforms, from a total of 720 respondents. The hypotheses were tested using the partial least squares (PLS) method. The study found that social media literacy, perceived ease of use, perceived behavioral control, and perceived risk has significant positive influence on users’ attitude to use social media, while ICT facility and perceived usefulness has no significant impact on attitude. Users’ attitude has a significant relationship with their intention to use social media for learning. The users’ attitude was also found to successfully mediate the relationship of social media literacy, perceived ease of use, perceived behavioral control, and perceived risk with intention to use social media. Social media literacy and perceived risk have been measured as an influential construct since it is unreasonable to anticipate the correlation between social media literacy and perceived risk dimensions in social media.

Safety Technology Adoption: Predicting Intention to Use Car Dashcams in an Emerging Country

2021 ◽  
pp. 2150022
Author(s):  
Ali Vafaei-Zadeh ◽  
Shin-Xian Ng ◽  
Haniruzila Hanifah ◽  
Ai Ping Teoh ◽  
Khaled Nawaser
Keyword(s):  
Technology Adoption ◽  
Social Influence ◽  
Technology Acceptance ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness

This study investigates the factors that affect the user’s intention to use dashcam in Malaysia. This study examines the quantitative relationship of intrinsic as well as extrinsic factors such as personal innovativeness, perceived uniqueness, perceived usefulness, perceived ease of use, attitude, perceived behavioral control, social influence, price value, and trust to the purchase intention of dashcam. Purposive sampling technique was employed to collect responses from 232 respondents based on two criteria: first, individuals who have experienced driving on the road and have a car; and second, individuals who not yet adopt or purchase the dashcam. The data were analyzed using SmartPLS (version 3.3.2). No relationship between personal innovativeness and perceived usefulness was found, in contrast to a significant relationship the former and perceived ease of use. Furthermore, perceived uniqueness was found significant to both perceived usefulness and perceived ease of use. Consistent with the literature, both perceived usefulness and perceived ease of use were identified as factors influencing attitude. However, perceived usefulness did not affect intention. Perceived behavioral control, social influence, attitude, and trust significantly affected the behavioral intention to use the dashcam in Malaysia. This study attempts to integrate and adapt two technology adoption models, namely the Combined Technology Acceptance Model and Theory Planned Behavior and extension of Unified Theory of Acceptance and Use of Technology, also extends the model with personal innovativeness, perceived uniqueness, and trust to fulfil the study’s objectives as well.

Determinants of the intention to use serious games technology in entrepreneurship education: an empirical study of Tunisian teachers

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Amira Sghari ◽  
Fatma Bouaziz
Keyword(s):  
Empirical Study ◽  
Social Influence ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type

Purpose This paper aims to focus on the intention to use of the Backstage game by teachers delivering entrepreneurship course at Tunisian public universities. A research model was developed based on a literature review of the variables that would affect the intention to use this game. Design/methodology/approach Data were collected by survey questionnaires, and a partial least square-structural equation model approach was adopted to analyze these data. Overall, the whole model was able to account for 61.3% of variance in the construct intention to use. Findings Results showed the relevance of both perceived behavioral control and teaching experience as the main determinants of the intention to use Backstage game. Positive and significant linkages were also found among perceived behavioral control, social influence and perceived ease of use. Moreover, it was found that perceived ease of use and social influence are significant determinants of perceived usefulness. Perceived usefulness and perceived enjoyment had significant effects on attitude towards intention to use this game. Originality/value To the best of the authors’ knowledge, this research represents the first empirical study to investigate among Tunisian university teachers their intention to use a serious game technology dedicated to making the entrepreneurship course more attractive.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

E-Marketing ◽  
2012 ◽  
pp. 460-482
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

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