• Title/Summary/Keyword: Trust TAM

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Applying The Technology Acceptance Model and Trust Beliefs to Online B2C Websites (온라인 B2C 웹사이트에 기술수용모델 및 신뢰(Trust) 신념의 적용)

  • 박관희
    • Proceedings of the Korea Association of Information Systems Conference
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    • 2004.11a
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    • pp.287-297
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    • 2004
  • B2C 전자상거래는 2가지 측면에서 살펴볼 수 있다. 첫 번째 측면은 인터넷, 웹 기술, 통신 기술 등 정보기술을 사용하는 점이고, 다근 측면은 온라인 마케팅 채널을 사용한다는 점이다. 따라서 본 연구에서는 IT 측면을 설명하기 위하여 Davis의 기술수용모델(TAM)을 사용하였고, 거래가 온라인으로 이루어짐에 따라 거래상의 신뢰(trust)가 더욱 중요해지고 있으므로 이 신뢰 개념을 사용하였다. 본 연구에서는 McKnight et al.(2002) 및 McKnight & Chervany(2002) 등이 언급한 신뢰 신념(trust beliefs)의 4개 선행변수인 구조 확신, 상황 정상, 인간성에서의 믿음, 신뢰 자세와 신뢰 신념(trust beliefs)과의 관계를 살펴보았고, 신뢰 신념과 TAM 모델의 제 요인과의 관계를 살펴보았다.

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Factors Affecting Continuous Customer Acceptance of Internet Banking (인터넷 뱅킹의 사용자 지식, 서비스 특성, 보안요인이 지속적 고객수용에 미치는 영향)

  • Chae, Young-Il
    • The Journal of the Korea Contents Association
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    • v.11 no.6
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    • pp.372-384
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    • 2011
  • The purpose of this study is empirically analyzing the effects of external factors(user knowledge, service characteristics, security), perceived risk, trust, ease of use, and usefulness on continuous customer acceptance in Internet banking. To achieve the goal, we develop the extended Technology Acceptance Model(Ex-TAM) based in the theoretical backgrounds of the Technology Acceptance Model(TAM). To test the new model(Ex-TAM), path analysis is performed by AMOS 4.0 package as a statistical tool. The finding indicate that 4 factors(service characteristics, ease of use, usefulness, trust) are significant. However, 2 factors(security, perceived risk) are not significant, user knowledge is partly significant.

Study of Determinants of Behavior Intention in Online Banking of Bangladesh

  • AKTER, Sumaiya;JANG, Seo-Youn;KIM, Tae-Joong
    • East Asian Journal of Business Economics (EAJBE)
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    • v.9 no.4
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    • pp.113-129
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    • 2021
  • Purpose -This study was based on the TAM and the trust of Bangladeshi in social impact, privacy and security, compatibility, perceived-ease of use, and perceived-usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology - Internet survey was conducted for individuals who had experience in using the online banking service, and those who have no experience in online banking were excluded from the analysis. The questionnaire was distributed to Bangladesh respectively, and data were collected. Result - Trust is the variable that has the greatest influence on the adaption of online banking service. Perceived-usefulness was found to have a important effect on individuals' behavioral-intention towards the adopting of online Banking services in Bangladesh. It was also found that compatibility, privacy and security were important predictors. Conclusion - The TAM model, which explains individual behavioral intentions toward adopting online banking services in Bangladesh, is sufficiently applicable. Perceived ease of use found an important predictor of trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt online banking services if they find it useful and reliable. Another very important constructive correlation between trust and perceived-usefulness, suggesting that consumers who realize that online banking is safe and useful.

The Relationship between Offline Trust and Online Transaction in Internet Banking (인터넷 뱅킹에서 오프라인 신뢰와 온라인 거래의 관계)

  • Lee, Woong-Kyu
    • Asia pacific journal of information systems
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    • v.17 no.2
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    • pp.29-47
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    • 2007
  • Owing to the rapid growth of using the Internet, not only click-and-mortar companies but also brick-and-mortar ones have been expanding their distribution channels into online, Moreover, since online channels are more attractive than offline ones in control and maintenance, switching customers into online ones is emerged as one of very important managerial issues in a view of reduction of cost as well as expansion of services. However, the switched customers should be faced by uncertainties which could not have been experienced in offline. Specifically, in online channels, buyers and sellers are separated temporally and spacially and there are always so many kinds of threat for security as well as not enough systems and conventions for them yet. Therefore, trust has been considered as one of the most critical mechanisms for resolution of such uncertainties in online transactions. However, it is not easy to build and maintain the relationships in online since most of them are virtual and indirect generally. Therefore, in order to switch offline customers into online ones, it is very important to make strategies based on identification of the relationship between online transaction and offline trust which has been built in offline business. Generally offline trust, which has been built independent of online, could not include trust for online-dependent activities such as payment security during or after transactions, while most of online trust include it. Therefore, a customer with high offline trust does not always perceive high security and assure safe transactions. Accordingly, while online trust, where technical capabilities for online security is one of main bases, includes control trust implicitly or explicitly, offline trust does not. However. in spite of such clear discrimination and independence between offline trust and perceived security, there can be the significant dependency between these two beliefs. The customers with high offline trust believe that the company would do some activities for online security for customers' safe transactions since it has been believed of doing well for customers' trust. Theoretically, users' perception of security is interpreted as a kind of control trus, which is trust for company's technical control capacities in order to resolve technical uncertainties in online. Therefore, the relationship between two beliefs can be considered as transference from offline trust to another type trust. that is, control trust. The objective of this study is to analyze the effect of offline trust on online transaction uses mediated by perceived security. For this purpose, we suggest a research model based on technology acceptance model (TAM). Reuse intention is adopted as a dependent variable and TAM is modified by adding perceived risk (PR) as well as two beliefs of using Internet banking, perceived usefulness (PU) and perceived ease of use (PEOU). Moreover, perceive security (PS) is adopted as an external variable for PR and PU, while offline trust (OT) is an antecedent of PS. For an empirical test, sampling from 108 visitors to the banks in Daegu, Korea, we analyze our model by partial least square (PLS) approach. In result, our model is shown to explain 51.4% of the variance in reuse intention and all hypothesis are supported statistically. A theoretical implication of this study is to identify a role of PS between offline trust and reuse intention of using online transaction services. According to our result, PS can be considered as a mediation variable for bridging between two different concepts: trust that explains social aspects of customers and companies, and TAM that explains customers' reuse intention.

Applying The Technology Acceptance Model and Trust Beliefs to Online B2C Websites (온라인 B2C 웹사이트에 기술수용모델 및 신뢰 신념의 적용)

  • Park, Kwan-Hee
    • The Journal of Information Systems
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    • v.13 no.2
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    • pp.173-193
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    • 2004
  • B2C EC has two kinds of perspectives such as technology-oriented and trust-oriented perspectives. As lots of fraud damages on the B2C EC have been reported every day, the trust-oriented perspective receives lots of attention. In this study, an integrative typology for developing and validating trust measures for B2C EC proposed by McKnight et al.(2002a) and McKnight and Chevany(2002b) has been used for trust-oriented perspective, and the TAM(technology acceptance model) model proposed by Fred Davis in 1985 has been used for technology-oriented perspective. An research model had been developed by using the 4 factors of an integrative typology and 5 factors of the TAM model such as perceived usefulness, perceived ease of use, trust beliefs, intention, and actual transaction. All 13 hypotheses had been proposed from this research model and tested by field study. 12 hypotheses, including the 4 f actors of an integrative typology as antecedents on trust beliefs, were significant, whereas the hypothesis 5 on the relationship between structural assurance and perceived ease of use was insignificant. Structures on B2C EC like guarantees, regulations, promises, legal recourse, or other procedures seemed to be difficult to B2C EC customers. Therefore, these structures should be developed more easier to B2C EC customers.

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The Effect of Offline Trust upon Use of Online Transaction on the Internet - the Extended Technology Acceptance Model (오프라인의 신뢰가 온라인 거래 사용에 미치는 영향 - 확장된 기술수용모형)

  • Lee Ung-Gyu
    • Proceedings of the Korean Operations and Management Science Society Conference
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    • 2004.10a
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    • pp.116-136
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    • 2004
  • The objective of this study is to analyze the relationship between offline trust and use of online service focusing on Internet banking. For this purpose, we suggest an extended version of Technology Acceptance Model (TAM) that would explain use or acceptance of infer]nation technology especially in Internet based service areas. In order to connect offline trust with Internet banking use, TAM is extended by adding two variables - technical competence for security services that is one facet of trust on the bank's security technology and security risk that would influence use, perceived usefulness and perceived ease of use. Empirically our model is well proved with low significance level.

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The Effect of the Perceived Interactivity, Trust, and Flow by on the Purchase Intention of the Fashion Merchandise between Different Internet Shopping Mall Types (인터넷 쇼핑몰 유형에 따른 지각된 상호작용성, 신뢰, Flow가 패션상품 구매의도에 미치는 영향)

  • Na, Youn-Kue;Suh, Hyun-Suk
    • Fashion & Textile Research Journal
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    • v.11 no.5
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    • pp.720-731
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    • 2009
  • The current study investigates the customer's perceived interactivity, perceived trust, and flow of the Internet shopping-mall. The TAM(Technology Acceptance Model) was applied to see the effect on the individual's attitude toward the shopping-mall via purchase intention. To fulfill the study objectives, a total of 806 questionnaires were distributed to the customers with first-hand experience with fashion merchandise in Internet shopping-mall. The judgement sampling method was employed on sample population ages from 20's to 40's over one month period. The result showed the following. First, the perceived interactivity had an effect on perceived trust, usefulness, Flow in all shopping mall types. but there was no effect in the relationship between the two-way Interactivity and the perceived usefulness in the Specialty Internet Shopping-mall model. Second, perceived trust and Flow had an effect on perceived usefulness in all shopping mall types. Third, perceived trust, usefulness and Flow had an effect on the attitude toward shopping-mall in all shopping mall types. Forth, perceived trust, usefulness, Flow and attitude toward shopping-mall had an effect on purchase intention of fashion merchandise in all shopping mall types.

Extending of TAM through Perceived Trust and its Application to Autonomous Driving (지각된 신뢰에 기반한 기술수용모델의 확장과 자율주행에의 적용에 관한 실증연구)

  • Lee, Kangmun;Roh, Taewoo
    • Journal of Digital Convergence
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    • v.16 no.5
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    • pp.115-122
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    • 2018
  • The purpose of this study is to investigate the effect of technology acceptance model (TAM) on behavioral intention in order to grasp the degree of technology acceptance on autonomous driving among the various factors that consumers perceive as unmanned vehicle system becomes commercialized. In addition to the mediating effect of perceived usefulness proposed by the existing TAM, this study proposed the perceived trust (PT) and hypothesized its mediating effect on behavioral intention to use the self-driving. Path anlaysis is adopted to investigate our hypothesis using the structural equation model. The sample used for the analysis was 149 valid data among 160 responses. The effects of total effect, direct effect, and indirect effect were confirmed by hypothesis test on mediating effect. Non-parametric bootstrapping analysis was also performed to confirm the robustness. All the hypotheses were significant and we found a partial indirect effect, which implies that mediation effect of PT on behavioral intention.

Smartphone Banking: The Factors Influencing the Intention to Use

  • Kim, JinBaek;Kang, Sungmin;Cha, Hoon S.
    • 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.

Integration of Technology Acceptance Model (TAM), Marketing Relationships, and Sharia Compliance in Indonesia's Islamic e-banking

  • USMAN, Hardius;PROJO, Nucke Widowati Kusumo
    • Asian Journal of Business Environment
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    • v.12 no.4
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    • pp.25-34
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    • 2022
  • Purpose This research develops the expanded Technology Acceptance Model (TAM) to investigate the relationship between perceived usefulness and perceived ease of use with satisfaction and loyalty by considering the role of sharia compliance, commitment, and trust. Research design, data and methodology: A data source is 300 respondents from a self-administered survey. The target population is Muslims who are customers of Islamic banks, with age at least 18 years, and used e-banking to make payment transactions. The analysis methods are MANOVA and Multiple Linear Regression. Results: The results suggest that intention to use and actual behavior variables are replaced with satisfaction and loyalty. Commitment is not recommended, while trust is an explanatory variable that can be used as an external variable. Conclusions: It is important to increase satisfaction and commitment also concentrate to various aspects of sharia compliance to increase customer's loyalty to use e-banking. The fulfillment of sharia compliance by Islamic banks will increase the Islamic bank customers loyalty.