scholarly journals Antecedent behaviour and its implication on the intention to reuse the internet banking and mobile services

2021 ◽  
pp. 451-464 ◽  
Author(s):  
Jeffry Z.C. Nelwan ◽  
Ni Nyoman Kerti Yasa ◽  
I Putu Gde Sukaatmadja ◽  
Ni Wayan Ekawati
Keyword(s):  
Technology Acceptance ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Benefits ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Mediating Role

The Covid-19 pandemic has forced people to maintain physical distance during everyday contact, known in popular terms as physical distancing, which triggers the banking industry to accelerate its digital transformation to maximize service to customers. It aims to make business processes to work more efficiently and to drive force that will create various business opportunities. This study aims to explain the main factors that contribute and influence the adoption of internet and mobile banking services, which are antecedents of customer attitudes towards the intention to use these services. This study uses primary data and the unit of analysis is 200 respondents of Bank Bukopin customers who are users of its internet and mobile banking services with a replication of the technology acceptance model (TAM) in the context of internet service adoption and mobile banking. This study uses non-probability sampling with purposive sampling technique, and to analyze the research model, the Partial Least Square (PLS) method is used with the SmartPLS 3.0 M3 program as a tool. The research findings indicate that the intention to reuse is directly affected significantly by perceived ease of use, trustworthiness, and attitude to use. Perceived benefits do not have a significant effect on directly affecting intention to use, but have a positive and significant effect if they get a mediating role from the attitude of using. This study proves the existence of a mediating role for perceived benefits and beliefs on attitudes to use. This study also strengthens the evidence that attitudes have a strong and positive and significant effect on intention to reuse, and are able to fully mediate the effect of perceived ease of use, perceived usefulness and trust on intention to reuse. Bank Bukopin management and bankers are also expected to use the results of this study to evaluate and take corrective action on aspects that are deemed incapable of encouraging the adoption of their internet and mobile banking services and creating customer loyalty to continually use the services they provide.

Mobile banking adoption in Islamic banks

2019 ◽  
Vol 11 (6) ◽  
pp. 1405-1418
Author(s):  
Dwi Suhartanto ◽  
David Dean ◽  
Tuan Ahmad Tuan Ismail ◽  
Ratna Sundari
Keyword(s):  
Islamic Law ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Islamic Bank

Purpose This paper aims to examine mobile banking adoption in Islamic banks by integrating technology adoption model (TAM) and Religiosity-Behavioural Intention Model. Design/methodology/approach This study uses a sample of 300 mobile banking customers of Islamic banks from West Java Province, Indonesia. Partial least square was applied to assess the association between perceived usefulness, perceived ease-of-use, religiosity, satisfaction, and adoption. Findings The results of this study disclosed that the integration of TAM and Religiosity-Intention model provides a more complete explanation of Islamic bank consumers’ adoption of mobile banking. Besides perceived usefulness and perceived ease-of-use, the results of this study emphasise the importance of religiosity in mobile banking adoption. Practical implications This study offers an opportunity for Islamic bank managers to increase the adoption of their mobile banking services. To increase the adoption of mobile banking services, Islamic banks must not only provide an application that is useful and easy to use but also consider the customer’s religiosity. All of their mobile banking marketing strategies should focus on providing high-quality mobile service while ensuring the bank’s operations are compliant with the Islamic law. Originality/value This study is the first attempt to integrate TAM and Religiosity-Intention Model to assess mobile banking adoption.

scholarly journals Factors influencing behavioural intention to use mobile banking among retail banking clients

2019 ◽  
Vol 3 (2) ◽  
pp. 118
Author(s):  
Myra V De Leon
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Retail Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
The World

Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.

scholarly journals PENGARUH NORMA SUBYEKTIF,DAN TAM TERHADAP NIAT MENGGUNAKAN SISTEM ERP

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Rizki Endah Susilaputri
Keyword(s):  
Technology Acceptance ◽  
Business Processes ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Erp Systems

ERP is a system used by the company to integrate all business processes. This study aimed to determine the effect of Subjective Norm and Technology Acceptance Model (TAM) of the Intention to Use ERP Systems. TAM in this study was measured by two indicators: Perception Perceived Usefulness and Ease of Use.Respondents in this study were users of ERP systems on PT. Semen Gresik (Persero), Tbk. Questionnaires were the primary data used in this research and random sampling was used as data collection method. Questionnaires were distributed about 70 copies but only 63 were returned, and 3 of them were incomplete questionnaires. The data analysis technique used was Partial Least Square, with the help of Smart PLS 2.0 software.The results of this study are: 1) Subjective Norms have positive significant effect on Intention to Use ERP Systems. 2) Perceived Usefulness have positive significant effect on Intention to Use ERP Systems. 3) Perceived Ease of Use have positive significant effect on Intention to Use ERP Systems. DOI 10.5281/zenodo.1214920

scholarly journals PENGARUH NORMA SUBYEKTIF,DAN TAM TERHADAP NIAT MENGGUNAKAN SISTEM ERP

2017 ◽  
Vol 1 (1) ◽  
Author(s):  
Rizki Endah Susilaputri
Keyword(s):  
Technology Acceptance ◽  
Business Processes ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Erp Systems

ERP is a system used by the company to integrate all business processes. This study aimed to determine the effect of Subjective Norm and Technology Acceptance Model (TAM) of the Intention to Use ERP Systems. TAM in this study was measured by two indicators: Perception Perceived Usefulness and Ease of Use.Respondents in this study were users of ERP systems on PT. Semen Gresik (Persero), Tbk. Questionnaires were the primary data used in this research and random sampling was used as data collection method. Questionnaires were distributed about 70 copies but only 63 were returned, and 3 of them were incomplete questionnaires. The data analysis technique used was Partial Least Square, with the help of Smart PLS 2.0 software.The results of this study are: 1) Subjective Norms have positive significant effect on Intention to Use ERP Systems. 2) Perceived Usefulness have positive significant effect on Intention to Use ERP Systems. 3) Perceived Ease of Use have positive significant effect on Intention to Use ERP Systems.

scholarly journals Perceived Usage of E-Wallet among the Y Generation in Surabaya based on Technology Acceptance Model

2020 ◽  
Vol 22 (1) ◽  
pp. 17-24
Author(s):  
Dewi Pertiwi ◽  
Widjojo Suprapto ◽  
Eric Pratama
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Although the government of Indonesia is building the cashless society, the number of e-wallet users are increasing slowly. E-wallet is becoming a common instru­ment of payments from the paper-based instruments to server-based electronic money. The aim of this research is to investigate the perceived usage of the Y Genera­tions on e-wallet based on Technological Acceptance Model (TAM) which is a power­ful model to describe single approval to the usage of a new information technology system. As a quantitative research, the data analysis is using the Partial Least Square (PLS) with the SmartPLS 3.0 software. The results show that perceived usefulness and perceived ease of use brings impacts positive significant impacts to behavioural intention to use, then, the behavioural intention to use affect a positive significant impact to perceived usage. However, a direct effect from perceived useful­ness to perceived usage shows a negative and no significant impact, meanwhile an unintended effect from perceived usefulness to perceived usage through behavioural intention to use show a positive significant impact. Finally, a direct effect from perceived ease of use to perceived usage shows a lower t-statistic value than an indi­rect effect from perceived ease of use to perceived usage through behavioural inten­tion

Determinants of Behavioral Intention to Mobile Banking in Arab Culture

2014 ◽  
pp. 139-149
Author(s):  
Abdullah Rashed ◽  
Henrique M.D. Santos
Keyword(s):  
Technology Acceptance ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Arab Culture ◽  
Acceptance Model ◽  
Technology Tool

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they would be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication among all members of the society. We aim to validate mobile banking intention to use, through Technology Acceptance Model (TAM), focused on security, in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness.

Determinants of Behavioral Intention to Mobile Banking in Arab Culture

2014 ◽  
pp. 1253-1262
Author(s):  
Abdullah Rashed ◽  
Henrique Santos
Keyword(s):  
Technology Acceptance ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Arab Culture ◽  
Acceptance Model ◽  
Technology Tool

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they would be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication among all members of the society. We aim to validate mobile banking intention to use, through Technology Acceptance Model (TAM), focused on security, in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness.

scholarly journals ANALISIS PENERIMAAN APLIKASI PEMBELAJARAN ONLINE MENGGUNAKAN TECHNOLOGY ACCEPTANCE MODEL 3 DAN PARTIAL LEAST SQUARE STRUCTURAL EQUATION MODEL (PLS-SEM)

Factor M ◽  
2021 ◽  
Vol 3 (2) ◽  
pp. 161-172
Author(s):  
Noer Hidayah ◽  
Jerhi Wahyu Fernanda
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Behavioral Intention To Use

Penelitian ini bertujuaan untuk meneliti faktor-faktor yang berpengaruh terhadap penerimaan aplikasi pembelajaran online Google classroom (GC) dalam pembelajaran online. Model konseptual untuk menilai penerimaan terhadap suatu teknologi menggunakan model  Technology acceptance model (TAM) 3. TAM 3 merupakan pengembangan dari model TAM dengan menambahkan dimensi Perceived Ease of Use yang dapat digunakan untuk memprediksi, dan menjelaskan perilaku yang mendorong penggunaan teknologi yang selalu mengalami perkembangan. Analisis statistika yang digunakan adalah Partial Least Square Structural Equation Model. Data yang didapatkan adalah data primer yang didapatkan dari kuesioner yang disebar melalui google form. Sampel dalam penelitian ini berjumlah 150. Penelitian ini menggunakan teknik simpel random sampling dengan kriteria yang harus dipenuhi. Variabel terdiri dari 4 variabel latent yaitu Perceived Ease of Use, Perceived Usefulness, Behavioral Intention to Use dan Actual System Use. Skala pengukuran menggunakan skala likert 5 kategori. Hasil analisis statistika didapatkan kesimpulan variabel Perceived Ease of Use berpengaruh signifikan terhadap Perceived Usefulness  dan Behavioral Intention to Use,  Perceived Usefulness memiliki pengaruh yang signifikan terhadap terhadap Behavioral Intention to Use dan Behavioral Intention to Use berpengaruh signifikan terhadap Actual System Use.  

User Motivation and Acceptance of Mobile Services in Nigeria

2018 ◽  
Vol 10 (2) ◽  
pp. 70-81 ◽  
Author(s):  
Okocha Olabisi Foluke
Keyword(s):  
Social Influence ◽  
Mobile Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Service ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Economic Issues

This study was designed to investigate the factors that influence the motivation and acceptance of mobile services in Nigeria. This understanding is valuable for improved commercialization of telecommunication services, and in the customer relationship management process as the success of mobile service adoption is dependent on user needs. Three separate questionnaires were designed and used as the major instrument of data collection. A purposive sampling method was adopted for the study; three hundred and ten questionnaires were administered on three different categories of respondents. Data analysis was carried out using principal component analysis, regression and logistic regression. The results showed that for entertainment services (caller tunes), informational services (internet modem) and mobile banking services, the major motivating factor for its use was the preference of the song, convenience in browsing and convenience in banking respectively whereas the major preventing factor was high cost for entertainment services and internet modem service and insufficient information for mobile banking. Results also showed that for entertainment services perceived usefulness, perceived ease of use, social influence and economic issues where important in determining a user's intention to use but for the internet modem service perceived ease of use is the only significant factor in determining a user's intention to use. For mobile banking services, social influence and economic issues are significant in determining use. It is therefore imperative for telecommunication firms to study and consider the unique characteristics of each mobile category and use these findings in the design of their services.

Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India

2017 ◽  
Vol 18 (1) ◽  
pp. 238-249 ◽  
Author(s):  
V.V. Ravi Kumar ◽  
Anurag Lall ◽  
Tanmay Mane
Keyword(s):  
New Technology ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Tam Model ◽  
Management Students

The educated youth in India have adapted well to technology and technology-based solutions. Much of it has been attributed to the increased usage of computers, Internet and the smartphones among the educated youth in India. It becomes a useful and important exercise, therefore, to study their attitude towards new technology-based products and services in view of the fact that this segment has a requirement for utilizing banking services for at least the next 30 years. Banking has been one industry which has been in the forefront in offering technology-based delivery channels like ATM, Internet banking and mobile banking. This article studies the underlying factors influencing management students in their intention to use mobile banking. The study utilizes two constructs of the technology adoption model and then extends it further to include two additional constructs. The results suggest that perceived usefulness and perceived ease of use, social influence and trust propensity are the underlying factors in respect of the behavioural intention to use mobile banking services.

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