• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.75-91
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• 2022

This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

• 한국정보시스템학회지:정보시스템연구
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• 제25권1호
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• pp.105-134
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• 2016

Purpose First, this study examines the relationship between characteristics of smartphone banking and trust of smartphone banking. Second, this study investigates the impact of perceived benefit on the trust and usage intention of smartphone banking. Finally, this study considers moderating effect of service quality in the relationships between perceived benefit and trust and usage intention of smartphone-based mobile banking. Design/methodology/approach This research uses the survey method to test its hypotheses, the survey population is smartphone baking users. A software tool called AMOS 17.0 used to analyze the research model. Findings The results showed that characteristics of smartphone banking channel like compatibility, timeliness, and mobility had a positive effect on the trust of smartphone banking. The device familiarity showed a significant positive impact on trust of smartphone banking. While the service quality moderated the relationship between trust and usage intention of smartphone banking, moderating effect of service quality in the relationship between perceived benefit and its usage intention was not significant. The results of this study could provide a theoretical framework to explain customers' decision of smartphone banking and practical implications for banking venders.

• 한국정보시스템학회지:정보시스템연구
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• 제24권2호
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• pp.209-240
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• 2015

연구 목적 본 연구는 스마트 뱅킹(smart banking)의 다양한 속성과 사용자 속성, 지각된 즐거움, 신뢰 및 만족, 그리고 지속 사용 의도와의 관계를 구글의 안드로이드 운영체제(Android OS)와 애플의 운영체제(iOS)간 비교 분석하였다. 연구설계/방법론/접근법 본 연구의 목적을 달성하기 위해 2012년 9월 국내에서 실시된 설문조사를 바탕으로 총 245개의 샘플을 수집하였으며 이를 토대로 구조방정식을 통해 분석해 보았다. 결과 스마트 뱅킹 서비스에서 수렴성과 친숙성은 지각된 유용성에 유의미한 영향을 미치는 것으로 나타났으며, 보안성과 경제성은 지각된 신뢰성에 유의미한 영향을 미치는 것으로 밝혀졌다. 또한, 보안성, 경제성 및 혁신성의 지각된 유용성과의 관계, 그리고 편의성 및 친숙성의 지각된 신뢰성과의 관계에서 모두 안드로이드 운영체제가 iOS 보다 강한 영향력을 미침을 확인 할 수 있었다. 본 연구는 스마트 뱅킹에 관한 서로 다른 두 운영체제(Android OS vs. iOS)간의 비교분석을 수행함과 동시에 통합된 프레임워크를 제안함으로써 관련 연구에 이바지 할 것으로 기대된다.