IDEAS home Printed from https://ideas.repec.org/a/rbs/ijbrss/v9y2020i1p112-126.html
   My bibliography  Save this article

Perception and prediction of intention to use online banking systems: An empirical study using extended TAM

Author

Listed:
  • Sk Alamgir Hossain

    (Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China)

  • Yukon Bao

    (Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China)

  • Najmul Hasan

    (Center for Modern Information Management, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China)

  • Md Farijul Islam

    (Department of Business Administration, School of Management, Huazhong University of Science and Technology, Wuhan, 430074, P.R. China)

Abstract

Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of onlinebanking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers. To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that some key factors such as,(i) perceived ease of use, (ii) perceived usefulness, (iii) attitude towards use, (iv) government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future. Key Words:Online banking, Emerging economies, Extended TAM, Intention to use, Bangladesh

Suggested Citation

  • 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.
    • Handle: RePEc:rbs:ijbrss:v:9:y:2020:i:1:p:112-126
    as

    Download full text from publisher

    File URL: https://www.ssbfnet.com/ojs/index.php/ijrbs/article/view/591/512
    Download Restriction: no
    File URL: https://www.ssbfnet.com/ojs/index.php/ijrbs/article/view/591/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. 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.
    2. Md. Nur Alam Siddik & Gang Sun & Sajal Kabiraj & Joghee Shanmugan & Cui Yanjuan, 2016. "Impacts of e-banking on performance of banks in a developing economy: empirical evidence from Bangladesh," Journal of Business Economics and Management, Taylor & Francis Journals, vol. 17(6), pages 1066-1080, November.
    3. Fred D. Davis & Richard P. Bagozzi & Paul R. Warshaw, 1989. "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, INFORMS, vol. 35(8), pages 982-1003, August.
    4. Myria W. Allen & Christopher A. Craig, 2016. "Rethinking corporate social responsibility in the age of climate change: a communication perspective," International Journal of Corporate Social Responsibility, Springer, vol. 1(1), pages 1-11, December.
    5. Aftab Pervez Khan & Shahnawaz Khan & Ivan Ang Ri Xiang, 2017. "Factors Influencing Consumer Intentions to Adopt Online Banking in Malaysia," Business & Economic Review, Institute of Management Sciences, Peshawar, Pakistan, vol. 9(2), pages 101-134, June.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Nicoleta Valentina Florea & Gabriel Croitoru & Georgiana Radu (Cârstea) & Daria Florea, 2024. "The Analysis of the Impact of Digital Product Innovation and Human Resources Specialists on Intention to Use Artificial Intelligence in Financial Banking System," Journal of Financial Studies, Institute of Financial Studies, vol. 16(9), pages 96-110, May.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. 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.
    2. 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.
    3. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    4. Rishi Manrai & Kriti Priya Gupta, 2023. "Investor’s perceptions on artificial intelligence (AI) technology adoption in investment services in India," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 1-14, March.
    5. Rajak, Manindra & Shaw, Krishnendu, 2021. "An extension of technology acceptance model for mHealth user adoption," Technology in Society, Elsevier, vol. 67(C).
    6. 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.
    7. 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.
    8. 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.
    9. Dalal Bamufleh & Amani Saud Alshamari & Asrar Saud Alsobhi & Hanan Hisham Ezzi & Waad Sultan Alruhaili, 2021. "Exploring Public Attitudes toward E-Government Health Applications Used During the COVID-19 Pandemic: Evidence from Saudi Arabia," Computer and Information Science, Canadian Center of Science and Education, vol. 14(3), pages 1-1, August.
    10. Christian Arnold & Kai-Ingo Voigt, 2019. "Determinants of Industrial Internet of Things Adoption in German Manufacturing Companies," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 16(06), pages 1-21, October.
    11. Philippe Cohard, 2020. "Information Systems Values: A Study of the Intranet in Three French Higher Education Institutions," Post-Print hal-02987225, HAL.
    12. Awni Rawashdeh, 2013. "Study Toward The Understanding Of Behavioral Intention To Use A Customer Relationship Management (Crm) Systems," Far East Journal of Psychology and Business, Far East Research Centre, vol. 12(1), pages 1-11, September.
    13. Melih Engin & Fatih Gürses, 2019. "Adoption of Hospital Information Systems in Public Hospitals in Turkey: An Analysis with the Unified Theory of Acceptance and Use of Technology Model," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 16(06), pages 1-19, October.
    14. Hasan, Rajibul & Lowe, Ben & Petrovici, Dan, 2020. "Consumer adoption of pro-poor service innovations in subsistence marketplaces," Journal of Business Research, Elsevier, vol. 121(C), pages 461-475.
    15. Morosan, Cristian, 2016. "An empirical examination of U.S. travelers’ intentions to use biometric e-gates in airports," Journal of Air Transport Management, Elsevier, vol. 55(C), pages 120-128.
    16. Tsung Teng Chen, 2012. "The development and empirical study of a literature review aiding system," Scientometrics, Springer;Akadémiai Kiadó, vol. 92(1), pages 105-116, July.
    17. Lawrence Bunnell & Kweku-Muata Osei-Bryson & Victoria Y. Yoon, 0. "RecSys Issues Ontology: A Knowledge Classification of Issues for Recommender Systems Researchers," Information Systems Frontiers, Springer, vol. 0, pages 1-42.
    18. Issa Mohamed Al Dafaei & Zurida Ismail & Mohd Ali Samsudin & Firas Jalal Shakir, 2013. "The Mediating Effect of Self-Efficacy towards the Relationship Between Attitudes And Level of Use Towards Instructional Computer Technology in Oman," International Journal of Asian Social Science, Asian Economic and Social Society, vol. 3(12), pages 2382-2398, December.
    19. Abdesamad Zouine & Pierre Fenies, 2014. "The Critical Success Factors Of The ERP System Project: A Meta-Analysis Methodology," Post-Print hal-01419785, HAL.
    20. Debora Bettiga & Lucio Lamberti & Emanuele Lettieri, 2020. "Individuals’ adoption of smart technologies for preventive health care: a structural equation modeling approach," Health Care Management Science, Springer, vol. 23(2), pages 203-214, June.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:rbs:ijbrss:v:9:y:2020:i:1:p:112-126. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Umit Hacioglu (email available below). General contact details of provider: https://edirc.repec.org/data/ssbffea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.