• Journal of Technology Innovation
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• v.14 no.1
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• pp.201-225
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• 2006

Technology Acceptance Model (TAM) considers perceived ease of use and perceived usefulness as the important determinants of user behavior regarding information technology. As an extension of TAM, this research examines perceived security as an additional determining variable to explain an individual's acceptance and use of mobile banking as well as internet banking. The results show that perceived ease of use does not affect the individual's attitude toward the use of mobile or internet banking, while perceived usefulness does. Furthermore, perceived security affects perceived usefulness in mobile banking, but not in internet banking. In addition, in mobile banking, perceived security is positively related to perceived usefulness, though perceived security is negatively related to attitude. Finally, the average scores of surveyed data for Internet banking are higher and significantly different than those for mobile banking.

• Journal of Korean Society for Quality Management
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• v.33 no.3
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• pp.59-70
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• 2005

The purpose of this research is to identify the impact of trust on user acceptance of mobile banking and to identify if causalities among these factors are different between Internet and mobile banking. To test this model, this research applies the technology acceptance model(TAM) that incorporates trust. Additionally, this research use structural equation modeling to test the model and examine cross-group differences using a multi-group comparison method. The empirical results indicate that all path is significant expect the path from trust to intention to use. The results of a multi-group comparison test indicated that the path from trust to attitude, from trust to intention to use, from perceived usefulness to attitude and from perceived to intention to use are different between Internet and mobile banking.

• The Journal of Information Systems
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• v.19 no.4
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• pp.111-136
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• 2010

This study examined the difference in the usage of internet banking users between Korea and China. This model tests various theoretical research hypotheses relating to internet banking, The Unified Theory of Acceptance and Use of Technology(UTAUT). The factors influencing on the use intention of Internet banking have been classified as performance expectancy, effort expectancy, social influence and facilitating conditions. The proposed model was empirically tested using data collected from a survey of internet banking users in Korea and China. The model is used by SPSS 15.0 and AMOS 7.0 for analysis on the sample collected from 272 respondents. The result of hypothesis testing are as follows. First, performance expectancy and social influence positively influence use intention of internet banking user both Korea and China. Second, facilitating conditions only positively influence on the usage of internet banking users in Korea. On the other side, effort expectancy do not influence the use intention of internet banking users in both two countries. The results of study will provide practical implications on the internet banking in Korea and China.

• The Journal of Society for e-Business Studies
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• v.11 no.1
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• pp.25-52
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• 2006

This study focuses on customer perception of security control under Internet banking environment Internet banking customers' understanding of security control is insufficient. They are not fully aware of security technologies for Internet banking. Moreover, they cannot know which control is implemented and maintained on an Internet banking site when visiting the site. This study, therefore, attempts to find the impact of customer perception of security control on Internet banking acceptance. The research model is based on the TAM (Technology Acceptance Model), and introduces trust as an additional belief. Trust has been investigated in the marketing area, and begins to be focused in e-business area. A Web survey of Internet banking users collected 845 cases. Statistical analyses, using SEM (Structural Equation Modeling), partially supported the hypotheses that perceived strength of security control has an impact on three beliefs: trust, perceived usefulness, and perceived ease of use. We also verified the impact of these beliefs on attitude toward using, on behavioral intention to use, and on actual use. It is, therefore, verified that perceived strength of security control is a determinant of Internet banking acceptance.

• Journal of Internet Computing and Services
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• v.21 no.5
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• pp.75-85
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• 2020

The application of Internet technology has created enormous impact on banking sector with the implementation of many techno-oriented services like Internet banking, EFT, branchless banking, Automated Clearing House (ACH) transactions etc. Study of customer's attitude in terms of trust, perceived risk and ease of use of a particular technology is as an important parameter for acceptance or rejection of a technology. To explore the customers'attitude for Internet banking this research is undertaken. The research is carried out in Pokhara valley which is the second largest city and tourism capital of Nepal. The study employs descriptive research design with stratified sampling procedure for eight top commercial banks. A set of 25 customers is taken from each selected 8 banks making a sample size of 200 respondents. A fixed set of question related to demographic factors is provided personally or by visiting the location of the customers of Internet banking service and collected accordingly. Reliability test is performed using Cronbach's alpha and data is analyzed using inferential statistics to present the results of the study. This study provides knowledge on the current scenario of Internet banking and helps banks in cost saving, mass customization, product innovation, improved marketing and communication. This study is very important for financial institutions like banks, government agencies and business houses to understand the perception of customers towards Internet banking and technology as a whole. The study also supplements the gap in literature on technology and banking in Nepal and serves as an important knowledge base.

• The Journal of the Korea Contents Association
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• v.10 no.6
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• pp.404-414
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• 2010

The primary purpose of this paper is to identify the influencing factors on the post acceptance behavior of user in internet banking. For this purpose, a research model and hypotheses are developed based on the relevant literature reviews. Data have been collected from 248 users who have used internet banking and the research hypotheses were tested by covariance structural model analysis. The results of this empirical study are summarized as follows. First, security, confirmation, and perceived ease of use have positive influence upon user's perceived usefulness. Second, security, economy efficiency, and confirmation have positive influence upon user's satisfaction. Third, loyalty incentives have positive influence upon continuance intention. Lastly, user's perceived usefulness have positive effect on the satisfaction, and user's perceived usefulness and satisfaction positively related to continuance intention in internet banking. The findings have significant implications for internet banking service providers.

• Journal of Digital Convergence
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• v.6 no.3
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• pp.75-84
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• 2008

The purpose of our this research, based on the Media Selection Theory, the Technology Acceptance Model, and the Social Influence Theory, is to investigate the influential factors that affect media selection in banking transactions. Analyses showed that for location sensitive bank window's and ATMs (automatic teller machines), defined as offline-based transaction channels, convenience was the variable affecting media selection. However, in the case of online media not related to location, (phone banking, internet banking, and mobile banking) reliability was the significant variable influencing use. The findings show that banking organizations may benefit from identifying traits of media affecting use, and should differentiate customer services for competitive advantage.

• The Journal of Information Systems
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• v.13 no.2
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• pp.89-117
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• 2004

Mobile technologies and services have become one of the inevitable parts of people's lives and mobile businesses have also been widespread. Popular mobile internet services through cell phones have made people in the financial industry consider that 'mobile' is promising. Nevertheless, there have been little studies of mobile services in the financial industry and most of the studies have been concentrated on internet services. The main purpose of this study is to investigate on the determinants of intention to use mobile banking. To achieve the goal, based on the theoretical backgrounds of the Technology Acceptance Model(TAM). Survey questionnaires were distributed via post & email to 500 users who have been experiences with cell phone and have an account. Out of 291 responded questionnaires, 275 data sets were available for statistical analysis with SPSS 10.1. Research hypotheses are analyzed by LISREL 8.30. Factor analysis identified seven external factors : (1) convenience, (2) cost, (3) unusefulness, (4) riskiness, (5) personal innovativeness (6) users' self-efficacy (7) experience of mobile services. Results of this study show that convenience, unusefulness, riskiness, personal innovativeness and experience of mobile services have significant effects on intention to use mobile banking . Much of the previous researches have dealt with service provider only and have focused on mobile internet. In this regard, when it comes to a viewpoint that regards the mobile banking sector as a new sector of mobile businesses. This study may provide a guideline to activate of mobile banking acceptance.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.7 no.5
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• pp.1213-1235
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• 2013

In this paper, we investigated the factors affecting the intention to use smartphone banking with a research model based on the Technology Acceptance Model (TAM) extended to include security risk, trust, and self-efficacy. With analysis after controlling factors such as age, gender, and previous experience of smartphone banking that may have effects, we conclude that perceived usefulness, perceived ease of use, security risk, and trust have direct effect on the intention to use smartphone banking, and self-efficacy has indirect effect on the intention to use through mediation of perceived ease of use. We performed a study to check the validity of TAM in the context of smartphone banking, and confirmed that perceived ease of use has both direct and indirect effect on the intention to use.

• Asia pacific journal of information systems
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• v.19 no.4
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• pp.1-28
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• 2009

Banking industries have continuously innovated through technology-enhanced products and services. Many studies have recognized the importance of the Internet in banking industries, arguing that it has been widely adopted. Many studies published on the Internet banking in specific countries are mostly related with such issues as internet banking adoption and acceptance, security and risks of online banking system, and interface design. Several studies have been done to examine the differences and similarities between other banking channels and the Internet banking. However, to the best of our knowledge, only a limited number of studies has examined the differences and similarities between two specific countries in order to create a new customer satisfaction model. In this research, we studied the internet banking satisfaction model by comparing two countries: South Korea and Indonesia. We conducted an empirical study based on the data collected in both two countries. In this research, we found that countries which have adopted electric banking services, particularly between a country with high ICT adoption and a country with low ICT adoption, show different satisfaction trends. Based on the study results, herein we provide discussion, managerial, and practical implications.