scholarly journals The effect of web-related features on intention to use online banking of ATM users

2021 ◽  
Vol 5 (4) ◽  
pp. 629-640
Author(s):  
Khalid AL-Zu’bi
Keyword(s):  
Commercial Banks ◽  
Perceived Risk ◽  
Internet Banking ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Perceived Benefit ◽  
Intent To Use ◽  
Internet Banking Services ◽  
The Impact

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

scholarly journals Prospects and challenges of Online Banking Services in Pakistan: A case Study of Karachi

2015 ◽  
Vol 10 (5) ◽  
pp. 2155-2167
Author(s):  
Zahid Hussain Kazi ◽  
Ghulam Murtaza Maitlo ◽  
Dr.Ambreen Khaskheley ◽  
Faiz M.Shaikh
Keyword(s):  
Perceived Risk ◽  
Reliability And Validity ◽  
Internet Banking ◽  
Study Data ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Factors Affecting ◽  
Independent Variable

The current research investigates Prospects and challenges  of Online Banking Services in Pakistan: A case Study of Karachi.Data were collected from 400 respondent using online banking practices in Karachi Sindh-Pakistan by using simple random technique. A structural Questionnaire was developed for the reliability and validity of data.In this study data of independent variable and dependent variable were collect from the customers of different banks of Karachi.It was revealed that the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market

Effects of Perceived Risks on Adoption of Internet Banking Services

2008 ◽  
pp. 1532-1549
Author(s):  
Wen-Jang Jih ◽  
Shu-Yeng Wong ◽  
Tsung-Bin Chang
Keyword(s):  
Perceived Risk ◽  
Information Technologies ◽  
Internet Banking ◽  
Primary Data ◽  
Banking Services ◽  
Perceived Risks ◽  
Significant Relationships ◽  
Secure Information ◽  
Willingness To Adopt ◽  
Internet Banking Services

Banking services primarily involve the creation, processing, storage, and distribution of financial information. Most of these services can be conveniently handled via Internet-based information technologies. This convenience, however, may be offset to a certain degree by customers’ perception of the risks associated with transacting in the wide-open cyber-world. A key challenge for online bankers is to maintain a secure information infrastructure that effectively manages the perceived risk factors. This research examines usages of Internet banking services, investigates the nature and sources of customers’ perceived risks, and tests hypotheses with regard to impacts of perceived risks on Internet banking adoption. Using primary data collected in Taiwan, the study finds significant relationships among involvement, familiarity, perceived risks, perception of measures for reducing perceived risks, and customer willingness to adopt Internet banking services. The findings have significant implications for the practice and research in Internet banking.

Consumer Factors Affecting Adoption of Internet Banking Services

2011 ◽  
pp. 113-134
Author(s):  
Wen-Jang Jih ◽  
Shu-Yeng Wong ◽  
Tsung-Bin Chang
Keyword(s):  
Perceived Risk ◽  
Information Technologies ◽  
Internet Banking ◽  
Point Of View ◽  
Primary Data ◽  
Information Process ◽  
Banking Services ◽  
Perceived Risks ◽  
Secure Information ◽  
Internet Banking Services

Banking is often regarded as an information-intensive industry. From the information process point of view, banking services primarily involve creation, processing, storage, and distribution of financial information. Although most of these services can be conveniently handled via Internet-based information technologies, adoption of Internet banking has been less than optimal. Existing research has revealed that this convenience may be offset, to varying degrees, by customer-perceived risk associated with transacting in the wide-open cyberworld. A key challenge for online bankers is to maintain a secure information infrastructure that effectively manages the perceived risk factors. This research examines usages of Internet banking services, investigates the nature and sources of customers’ perceived risks, and tests hypotheses with regard to impacts of perceived risks on Internet banking adoption. Using primary data collected in Taiwan, the study finds significant relationships among involvement, familiarity, perceived risks, perception of measures for reducing perceived risks, and customer willingness to adopt Internet banking services. The findings have significant implications for practice and research in Internet banking.

scholarly journals Big data, 4IR and electronic banking and banking systems applications in South Africa and Nigeria

2020 ◽  
Vol 15 (2) ◽  
pp. 187-199
Author(s):  
Patrick Ajibade ◽  
Stephen M. Mutula
Keyword(s):  
Big Data ◽  
Industrial Revolution ◽  
Internet Banking ◽  
Online Banking ◽  
Sustainable Growth ◽  
Future Research ◽  
Banking Services ◽  
Banking Systems ◽  
Fourth Industrial Revolution ◽  
The Impact

Efficient banking solutions are an integral part of the business integration of South African and Nigerian economies as the two largest economies in the continent. Security, effectiveness, and integration of banking systems are critical to the sustainable development of the African continent. Therefore, an empirical analysis of the production of research on banking services and systems was conducted. The aim of the study was to examine the robustness of the research findings on banking systems in terms of their importance for the economic sustainability of the continent in the era of the fourth industrial revolution. The study adopted a bibliometric analysis using software clusters to visualize the results. Due to higher visibility of outputs and likely citations, the results showed that the key terms from Google Scholar are ranked higher than outputs from Scopus. Main research interests were related to internet banking (f = 70), e-payment systems (f = 57), telephone banking (f = 56), automated teller machines (f = 54), and mobile banking (f = 40). The results also showed a very low research interest in the technical aspect of online banking services such as security (f = 19, TLS = 40), authentication (f = 17, TLS =33), network security (f =13, TLS = 33), computer crime (f = 16, TLS = 42), and online banking (f = 11, TLS =32). The study found there were insufficient outputs in the area of the fourth industrial revolution (4IR) and banking services in Africa. Future research trends should examine the impact of the 4IR and big data on the banking system, regional economic integration, and sustainable growth in the continent.

scholarly journals Mobile banking adoption and usage among Generation Y Malaysians

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 1170
Author(s):  
Momen Tarawneh ◽  
Lan Thi Phuong Nguyen ◽  
Yong Fie
Keyword(s):  
Perceived Risk ◽  
Interface Design ◽  
Credit Card ◽  
Internet Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Design Quality ◽  
Banking Services ◽  
Factors Affecting ◽  
Actual Use

Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.

An empirical investigation of the Turkish consumers’ acceptance of Internet banking services

2001 ◽  
Vol 19 (4) ◽  
pp. 156-165 ◽  
Author(s):  
Vichuda Nui Polatoglu ◽  
Serap Ekin
Keyword(s):  
Perceived Risk ◽  
Banking Sector ◽  
Organizational Factors ◽  
Internet Banking ◽  
Consumer Acceptance ◽  
Relative Advantage ◽  
Operational Cost ◽  
Related Factors ◽  
Banking Services ◽  
Internet Banking Services

An exploratory study of consumer acceptance of Internet banking (IB) services is conducted in a Turkish bank. Examines both consumer‐related factors that may affect the adoption of an innovation or a product (such as complexity, perceived risk, and relative advantage) as well as organizational factors such as marketing effort. The results suggest that IB not only reduces operational cost to the bank, but also leads to higher levels of customer satisfaction and retention. Accordingly, it is argued that IB is strategically important to the banking sector in an emerging economy, such as in Turkey.

Consumer attitude and behavioural intention towards Internet banking adoption in India

2015 ◽  
Vol 7 (1) ◽  
pp. 67-102 ◽  
Author(s):  
Irfan Bashir ◽  
Chendragiri Madhavaiah
Keyword(s):  
Perceived Risk ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Website Design ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Perceived Enjoyment ◽  
Internet Banking Services

Purpose – The purpose of this paper is to provide an insight into the determinants of the customers’ attitude and behavioural intention to use Internet banking services, paying special attention to the role of perceived risk, trust, enjoyment, website design and social influence. Design/methodology/approach – A research model grounded on the technology acceptance model (TAM) reflecting the effects of trust, perceived risk, perceived enjoyment, perceived website design and social influence on TAM constructs is proposed. The structural equation modelling technique is used to analyse a sample of 697 individual Internet banking users in India through an online survey. Findings – The results of data analysis confirm some of the hypotheses drawn from the literature. Consistent with some of the other studies, perceived usefulness, perceived ease of use, trust and perceived enjoyment are found to be immediate direct determinants of customers’ attitude towards using Internet banking. Attitude, perceived risk, perceived enjoyment and trust determine the customers’ behavioural intentions to use Internet banking. Although the direct effect of perceived website design is significant only on perceived ease of use, its indirect effects are significant on perceived usefulness, attitude and behavioural intentions. Furthermore, perceived enjoyment exerts both direct and indirect effects on perceived usefulness but exerts only direct effect on perceived ease of use. Research limitations/implications – Generalizability of the research is a practical limitation in consumer research studies and the present study is not an exception to that. The current study focused only on some technological, behavioural and attitudinal factors, and many customer-specific factors and other psychographic and behavioural factors such as cost, perceived value, service quality and satisfaction, which can provide more significant insight into the adoption process, are not a part of the scope of the study. Practical implications – This research specifies the implications in three perspectives, viz., theoretical, methodological and managerial. Furthermore, this study provides the practical recommendations to enhance customer trust and guidelines to reduce perceived risk. The most significant implication for the banking sector is that apart from offering useful and user-friendly services, they need to build a trusting relationship with customers. Originality/value – This study extends existing body of Internet banking literature by incorporating trust and risk perceptions. The effects of website design and perceived enjoyment on Internet banking acceptance have been examined and were found to be significant in the Indian context. In addition, it enables us to contribute to the current literature on the emerging Indian Internet banking services (IBS) market, which is largely under-researched.

scholarly journals Perceived Ease of Use and Trust Towards Intention to Use Online Banking in Malaysia

2020 ◽  
Vol 15 (1) ◽  
pp. 107-114
Author(s):  
Siti Rapidah Omar Ali ◽  
Wan Nur Khadijah Wan Marzuki ◽  
Nur Shafini Mohd Said ◽  
Suhaily Maizan Abdul Manaf ◽  
Nur Dalila Adenan
Keyword(s):  
Technology Acceptance ◽  
Pearson Correlation ◽  
Internet Banking ◽  
Online Banking ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Municipal Council ◽  
Acceptance Model

The development and invention of technology has transformed the way organizations conduct their businesses currently including banking institutions mainly in offering online banking services. Since the year of 2000, online banking services have been introduced in Malaysia. Still, online banking users in Malaysia are intolerant by issues of trust towards online banking which affect their level of acceptance. This study aims to identify the effect of perceived ease of use and trust towards intention to use internet banking among staff in Municipal Council in Malaysia. Technology Acceptance Model (TAM) was used as a research framework. 265 online banking users in a Municipal Council in Malaysia were tested using self-administered questionnaire. To examine the relationship between perceived ease of use and trust towards the intention to use internet banking, Pearson correlation and multiple regression were employed. The findings showed that perceived ease of use and trust have significant relationship with the intention to use internet banking. The outcomes offered valued information for both financiers and policy makers particularly when designing online banking marketing approaches

scholarly journals Pandangan Pengguna Internet terhadap Minat dalam Adopsi Internet Banking pada Masyarakat Kota Batam, Provinsi Kepulauan Riau, Indonesia

SKETSA BISNIS ◽  
2020 ◽  
Vol 7 (1) ◽  
pp. 27-36
Author(s):  
Fendy Cuandra
Keyword(s):  
Financial Services ◽  
Banking System ◽  
Internet Banking ◽  
Retail Banking ◽  
The Internet ◽  
Banking Services ◽  
Self Service ◽  
Self Service Technology ◽  
Internet Banking Services ◽  
The Impact

Abstract Financial services have now been transformed due to the impact of the development of Information and Communication Technology (ICT). It also affects the form of retail banking services that occur in various countries, resulting in changes in the needs and preferences of consumers. Consumer needs have changed, making banks use advanced information technology such as the internet to achieve competitive advantage in terms of customer service. Internet Banking is a type of service in the form of an online transaction method for money transfer transactions in 1 (one) certain bank account to another account that can be done at any time. Internet banking services are becoming popular and growing services so that they are better known as self-service technology. However, internet banking services can be ignored and avoided if the customer feels that he is not ready or comfortable in utilizing the capabilities of the internet banking system. Keywords:internet, internet banking, technology Abstrak Pelayanan keuangan saat ini telah bertransformasi akibat dampak pengembangan Teknologi Informasi dan Komunikasi (TIK). Hal tersebut juga mempengaruhi bentuk layanan perbankan ritel yang terjadi di berbagai negara, sehingga terjadi perubahan atas kebutuhan maupun preferensi konsumen. Kebutuhan konsumen yang telah berubah, membuat perbankan memanfaatkan teknologi informasi maju seperti internet untuk mencapai keunggulan kompetitif dalam hal pelayanan konsumen. Internet Banking merupakan jenis layanan berupa metode bertransaksi secara online untuk transaksi pengiriman uang dalam 1 (satu) rekening bank tertentu ke rekening lain yang dapat dilakukan sewaktu-waktu. Layanan internet banking menjadi layanan populer dan berkembang sehingga lebih dikenal sebagai layanan teknologi mandiri (Self-service Technology). Namun, layanan internet banking dapat diacuhkan dan dihindari apabila pelanggan merasa belum siap ataupun belum nyaman dalam memanfaatkan kemampuan system internet banking.Kata Kunci: internet, internet banking, teknologi

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