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The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model

Author

Listed:
  • Erlane K. Ghani

    (Faculty of Accountancy, Universiti Teknologi MARA, Cawangan Selangor, Puncak Alam 42300, Malaysia)

  • Mazurina Mohd Ali

    (Faculty of Accountancy, Universiti Teknologi MARA, Cawangan Selangor, Puncak Alam 42300, Malaysia)

  • Muhammad Nazmy Rezzaimy Musa

    (Faculty of Accountancy, Universiti Teknologi MARA, Cawangan Selangor, Puncak Alam 42300, Malaysia)

  • Akrom A. Omonov

    (Department of Banking, Tashkent Institute of Finance, Tashkent 100000, Uzbekistan)

Abstract

This study examined the digital banking effectiveness of a bank. This study specifically explored the effect of perceived usefulness, banking system reliability, and COVID-19 pandemic on the digital banking effectiveness of a bank in Malaysia based on the technology acceptance model (TAM). Data collection was undertaken using a questionnaire survey involving 228 clients of the bank. The findings indicated that two of the chosen factors, namely, perceived usefulness and reliability of the banking system, significantly influenced digital banking effectiveness. On the other hand, the findings also showed that the COVID-19 pandemic did not influence digital banking effectiveness, per the bank clients’ perspective. The study’s findings provide insight into the future financial direction and addresses consumers’ financial needs. In addition, the findings help develop an overview of the industry based on one of the prominent financial institutions in Malaysia.

Suggested Citation

  • Erlane K. Ghani & Mazurina Mohd Ali & Muhammad Nazmy Rezzaimy Musa & Akrom A. Omonov, 2022. "The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model," Sustainability, MDPI, vol. 14(18), pages 1-16, September.
    • Handle: RePEc:gam:jsusta:v:14:y:2022:i:18:p:11248-:d:909727
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    Citations

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    Cited by:

    1. Citra Sukmadilaga & Almaida Noor Fitri & Erlane K. Ghani, 2022. "Do Foreign Investment Flow and Overconfidence Influence Stock Price Movement? A Comparative Analysis before and after the COVID-19 Lockdown," JRFM, MDPI, vol. 16(1), pages 1-17, December.
    2. Yanlong Guo & Xueqing Ma & Denghang Chen & Han Zhang, 2022. "Factors Influencing Use of Fitness Apps by Adults under Influence of COVID-19," IJERPH, MDPI, vol. 19(23), pages 1-17, November.
    3. Luiz Antonio Bueno & Tiago F. A. C. Sigahi & Rosley Anholon, 2023. "Digital Banks in Brazil: Struggling to Reach the Breakeven Point or a New Evolution Wave?," FinTech, MDPI, vol. 2(3), pages 1-14, June.

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