An Investigation of Factors Affecting Usage and Adoption of Internet & Mobile Banking In Pakistan

Author(s):  
Fatima Mazhar ◽  
Muhammad Rizwan ◽  
Umar Fiaz ◽  
Sobia Ishrat ◽  
Muhammad Salman Razzaq ◽  
...  

Evolution of technology is a swift process, however, its acceptance and adoption in the society is slackened despite its promising results. Internet / mobile banking is a technological way of conducting banking transactions. The purpose of the current study is to find out the affect of various factors effecting successful adoption of internet   / mobile banking using TAM, technological acceptance model in Pakistan, especially rural areas of the country. Results of the current study obtained using regression analysis reveals that the effect of perceived usefulness and security is significant on internet / mobile banking attitude where attitude significantly impact on intentions to use internet / mobile banking. Also due to the cultural effect this modern banking is not compatible with the lifestyle of rural population of Pakistan though the population widely acknowledged its usefulness.

2017 ◽  
Vol 15 (2) ◽  
pp. 73-94
Author(s):  
O T AROGUNDADE ◽  
A O ADEJIMI ◽  
A M MUSTAPHA ◽  
A M IKOTUN ◽  
A AKINWALE

Cloud computing is a viable alternative for meeting the technological needs of many  enterprises with the benefits of instantaneous computing resource fulfillment, technology expenditures at lower costs, common technology platforms that can facilitate standardization and decreased  need for internal technology support personnel. This paper examined the behavioral intention to adopt cloud computing services in large and small organization using an Enhanced Technology Acceptance Model (ETAM). The aim is to investigate the factors affecting cloud computing adoption in Nigeria. The model includes variables that other research has found related to adoption of new computing services and technologies. Regression Analysis was then deployed to test the research hypotheses. The result of regression analysis revealed that attitude and adopters ability to use cloud computing (self-efficacy) were better predictor of intention; perceived usefulness and perceived ease of use of cloud computing were better predictor of attitude; perceived ease of use and the relevant of cloud computing to adopters’ work (job relevance) were the predictor of perceived usefulness. 


2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.


2019 ◽  
Vol 91 (3) ◽  
pp. 274-298
Author(s):  
Dawei Liu ◽  
Anqi Liu ◽  
Wanying Tu

New media entertainment is currently being spotlighted by business practitioners and researchers. This article highlighted this issue of elder online users and explored the factors affecting their acceptance decisions in new media entertainment. Older adults prefer to status and value orientations, so their online acceptance of new media entertainment is significantly influenced by the perceived usefulness and social benefits. In addition, types of living arrangement significantly affect technology acceptance model of older adults.


2020 ◽  
Vol 1 (1) ◽  
pp. 56-69
Author(s):  
Recky Suhartanto Lawata ◽  
Fadliah Nasaruddin ◽  
Ratna Sari

Penelitian bertujuan untuk menganalisis pengaruh persepsi kegunaan, kemudahan dan kerumitan Technology Acceptance Model (TAM) terhadap data pemicu di approweb, pada Kantor Pelayanan Pajak Pratama Makassar Barat. Penelitian ini menggunakan data primer melalui survei kepada 36 orang responden dari account representative di Kantor Pelayanan Pajak Pratama Makassar Barat. Teknik pengumpulan data melalui kuesioner data dianalisis dengan menggunakan aplikasi SPSS. Pengujian hipotesis menggunakan analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa kebermanfaatan berpengaruh positif dan signifikan sedangkan kemudahan berpengaruh positif tidak signifikan dan kerumitan berpengaruh negatif signifikan terhadap data pemicu di aplikasi approweb. Hasil penelitian ini membuktikan teori TAM dari persepsi kebermanfaatan data pemicu di aplikasi approweb bermanfaat bagi account representative. The study aims to analyze the effect of perceived usefulness, ease and complexity of the Technology Acceptance Model (TAM) on trigger data in the Approweb, at the West Makassar Pratama Tax Office. This study uses primary data through a survey of 36 respondents from account representatives at the West Makassar Pratama Tax Office. Data collection techniques through data questionnaires were analyzed using the SPSS application. Hypothesis testing uses multiple regression analysis. The results of this study indicate that usefulness has a positive and significant effect while ease of positive effect is not significant and complexity has a significant negative effect on trigger data in approweb applications. The results of this study prove the TAM theory from the perceived usefulness of trigger data in the approweb application is beneficial for account representatives.


2021 ◽  
Vol 12 (2) ◽  
pp. 637-653
Author(s):  
Phuong Viet Le-Hoang

The research aims to explore, measure, and analyze factors affecting the intention to use Mobile Banking (M-Banking) of customers in Ho Chi Minh City. The author conducts a convenient sampling, including 600 participants. The method of the research is the Exploratory Factor Analysis (EFA) and a multiple regression model. The results show that there are six factors such as perceived ease to use (EU), perceived usefulness (PU), trust (TR), expected performance (PE), social influence (SI), Facilitating condition (FC) affect the adoption of M-Banking. In which, Facilitating condition is the most influential factor, and expected performance is the least influential factor. Also, this study proposes some recommendations to develop an M-Banking application to help customers gain more insight into the bank as well as actively select the M-Banking application as a reliable transaction method.


2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová

Iran has inordinate natural capacity to benefit from solar energy all year. Interim plansby the Iranian government have been implemented to develop energy transition in ruralareas, however, the outcomes have not been promising so far. This research seeks toaddress the question of what factors influence villagers’ tendency towards solar panelacceptance for domestic usage. To answer the question, a survey was conducted amongresidents who had not installed the new technology in the survey time. A model basedon the modified framework of the Technology Acceptance Model for energy transitionwas developed and data was collected from the northern part of Iran—Mazandaranprovince. The data revealed that through the mediating role of attitude, the strongesteffect on adoption intention relates to perceived usefulness. The paper discusses whysolar energy technology is not welcomed in the studied community. The findingscontribute to increase our knowledge about underlying factors on the development ofpublic adoption of renewable energies in a developing country.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samad M.E. Sepasgozar ◽  
Mohsen Ghobadi ◽  
Sara Shirowzhan ◽  
David J. Edwards ◽  
Elham Delzendeh

PurposeThis paper aims to examine the current technology acceptance model (TAM) in the field of mixed reality and digital twin (MRDT) and identify key factors affecting users' intentions to use MRDT. The factors are used as a set of key metrics for proposing a predictive model for virtual, augmented and mixed reality (MR) acceptance by users. This model is called the extended TAM for MRDT adoption in the architecture, engineering, construction and operations (AECO) industry.Design/methodology/approachAn interpretivist philosophical lens was adopted to conduct an inductive systematic and bibliographical analysis of secondary data contained within published journal articles that focused upon MRDT acceptance modelling. The preferred reporting items for systematic reviews and meta-analyses (PRISMA) approach to meta-analysis were adopted to ensure all key investigations were included in the final database set. Quantity indicators such as path coefficients, factor ranking, Cronbach’s alpha (a) and chi-square (b) test, coupled with content analysis, were used for examining the database constructed. The database included journal papers from 2010 to 2020.FindingsThe extant literature revealed that the most commonly used constructs of the MRDT–TAM included: subjective norm; social influence; perceived ease of use (PEOU); perceived security; perceived enjoyment; satisfaction; perceived usefulness (PU); attitude; and behavioural intention (BI). Using these identified constructs, the general extended TAM for MRDT in the AECO industry is developed. Other important factors such as “perceived immersion” could be added to the obtained model.Research limitations/implicationsThe decision to utilise a new technology is difficult and high risk in the construction project context, due to the complexity of MRDT technologies and dynamic construction environment. The outcome of the decision may affect employee performance, project productivity and on-site safety. The extended acceptance model offers a set of factors that assist managers or practitioners in making effective decisions for utilising any type of MRDT technology.Practical implicationsSeveral constraints are apparent due to the limited investigation of MRDT evaluation matrices and empirical studies. For example, the research only covers technologies which have been reported in the literature, relating to virtual reality (VR), augmented reality (AR), MR, DT and sensors, so newer technologies may not be included. Moreover, the review process could span a longer time period and thus embrace a fuller spectrum of technology development in these different areas.Originality/valueThe research provides a theoretical model for measuring and evaluating MRDT acceptance at the individual level in the AECO context and signposts future research related to MRDT adoption in the AECO industry, as well as providing managerial guidance for progressive AECO professionals who seek to expand their use of MRDT in the Fourth Industrial Revolution (4IR). A set of key factors affecting MRDT acceptance is identified which will help innovators to improve their technology to achieve a wider acceptance.


Author(s):  
Yap Mun Fei ◽  
Cheng Boon Liat

Objective- This paper attempts to explore the continuance purchase intention among Malaysian consumers on the internet, through the conceptual framework as modified from the Technology Acceptance Model. Methodology/Technique The research data has been collected through the use of an internet-based survey method, with a convenience sample of 300 Malaysian respondents in June 2014; whereas, data analysis is further conducted using the SPSS software, through the measurements of a simple linear regression test, mediation test and moderation test. Findings Results show a positive relationship between perceived usefulness and trust; while the continuance intentionfor online purchase is positively significant to perceived usefulness. The partial mediating role of subjective norm is further identified, between perceived usefulness and continuance intention. It is also understood that both male and female perceive the usefulness of website as an important factor toward their intention to online re-purchase. Novelty - Most of the researches are conducted solely upon the factors or purchase intention, limited studies have been done to investigate the continuance purchase intention among fellow consumers. Type of Paper Empirical paper Keywords: , E-Commerce, Trust, Perceived Usefulness, Subjective Norm, Continuance Intention, Gender


Author(s):  
Kadriye Burcu Öngen Bilir

This chapter aims to determine the variables that explain using mobile banking. This study identifies and investigates the factors that influence the adoption of mobile banking, and specifically focuses on the evaluation of mobile banking application with users or non-users. The research model includes the basic concepts of the technology acceptance model. The technology acceptance model (TAM) tries to explain the adoption process and underlying influencing factors in technology acceptance. The survey was conducted to gather data which was coded in SPSS 17. Confirmatory factor analysis was used to analyze data, and structural equation modeling using Amos 17 software was used to validate the research model. The result shows that perceived ease of use, perceived usefulness, and perceived normative pressure significantly influences customer attitude, which affects the adoption of mobile banking.


Author(s):  
Daniel Danso Essel ◽  
Osafo Apeanti Wilson

Higher education institutions are faced with the complex challenges of serving increased enrollment levels within tight budgets. This challenge is prompting many universities to explore new approaches including the use of Learning Management Systems (LMS) such as Moodle for delivering courses to help extend teaching and learning beyond the classroom. Using Technology Acceptance Model (TAM) as an underlying theory, this study investigated students' perceived usefulness as well as the perceived ease of use of Moodle in the University of Education, Winneba in Ghana. The study also used multiple linear regression to determine if these factors have any impact on the rate at which students use Moodle. Data was collected from a random sample of 229 students from the Faculty of Science Education using a questionnaire. The analysis revealed that students' perceived usefulness of Moodle and perceived challenges in using Moodle combined contributes significantly to students' rate of Moodle use.


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