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Internet banking acceptance model: Cross-market examination

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  • Alsajjan, Bander
  • Dennis, Charles

Abstract

This article proposes a revised technology acceptance model to measure consumers' acceptance of Internet banking, the Internet banking acceptance model (IBAM). Data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as "attitudinal intentions" (AI). Structural equation modeling confirms the fit of the model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrates the psychometric equivalence of the IBAM measurements between the two country groups. At the structural level, the influence of trust and system usefulness on AI varies between the two countries, emphasizing the potential role of cultures in IS adoption. The IBAM is robust and parsimonious, explaining over 80% of AI.

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  • Alsajjan, Bander & Dennis, Charles, 2010. "Internet banking acceptance model: Cross-market examination," Journal of Business Research, Elsevier, vol. 63(9-10), pages 957-963, September.
    • Handle: RePEc:eee:jbrese:v:63:y::i:9-10:p:957-963
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    8. Ho, Jonathan C. & Wu, Chorng-Guang & Lee, Chung-Shing & Pham, Thanh-Thao T., 2020. "Factors affecting the behavioral intention to adopt mobile banking: An international comparison," Technology in Society, Elsevier, vol. 63(C).
    9. Yupeng Liu & Yutao Yang, 2018. "Empirical Examination of Users’ Adoption of the Sharing Economy in China Using an Expanded Technology Acceptance Model," Sustainability, MDPI, vol. 10(4), pages 1-17, April.
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    11. Al-Qeisi, Kholoud & Dennis, Charles & Alamanos, Eleftherios & Jayawardhena, Chanaka, 2014. "Website design quality and usage behavior: Unified Theory of Acceptance and Use of Technology," Journal of Business Research, Elsevier, vol. 67(11), pages 2282-2290.
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    14. Ageeva, Elena & Melewar, T.C. & Foroudi, Pantea & Dennis, Charles & Jin, Zhongqi, 2018. "Examining the influence of corporate website favorability on corporate image and corporate reputation: Findings from fsQCA," Journal of Business Research, Elsevier, vol. 89(C), pages 287-304.
    15. Yang Yuan & Fujun Lai & Zhaofang Chu, 2019. "Continuous usage intention of Internet banking: a commitment-trust model," Information Systems and e-Business Management, Springer, vol. 17(1), pages 1-25, March.
    16. Mi Jin Noh & Kyung Tag Lee, 2016. "An analysis of the relationship between quality and user acceptance in smartphone apps," Information Systems and e-Business Management, Springer, vol. 14(2), pages 273-291, May.
    17. Gjoko Stamenkov, 2023. "Recommendations for improving research quality: relationships among constructs, verbs in hypotheses, theoretical perspectives, and triangulation," Quality & Quantity: International Journal of Methodology, Springer, vol. 57(3), pages 2923-2946, June.
    18. Xiaolong Wang & Wenkun Zhang & Tao Zhang & Yanan Wang & Sanggyun Na, 2022. "A Study of Chinese Consumers’ Consistent Use of Mobile Food Ordering Apps," Sustainability, MDPI, vol. 14(19), pages 1-20, October.
    19. Sk Alamgir Hossain & Yukon Bao & Najmul Hasan & Md Farijul Islam, 2020. "Perception and prediction of intention to use online banking systems: An empirical study using extended TAM," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 9(1), pages 112-126, January.
    20. Elena Ageeva & Pantea Foroudi & T. C. Melewar & Bang Nguyen & Charles Dennis, 2020. "A Holistic Framework of Corporate Website Favourability," Corporate Reputation Review, Palgrave Macmillan, vol. 23(3), pages 201-214, August.
    21. Chih-Chin Liang & Ngoc Ly Nguyen, 2018. "Marketing strategy of internet-banking service based on perceptions of service quality in Vietnam," Electronic Commerce Research, Springer, vol. 18(3), pages 629-646, September.
    22. Chen, Xiujuan & Wu, Linhai & Pan, Yu & Siu, Kin Wai Michael & Gong, Xiaoru & Zhu, Dian, 2018. "Consumer Acceptance of an Agricultural Products Traceability System: Evidence from China," 2018 Annual Meeting, August 5-7, Washington, D.C. 273896, Agricultural and Applied Economics Association.
    23. Tiansheng Xia & Xiaowu Lin & Yongqing Sun & Tingting Liu, 2023. "An Empirical Study of the Factors Influencing Users’ Intention to Use Automotive AR-HUD," Sustainability, MDPI, vol. 15(6), pages 1-15, March.

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