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Non-Probabilistic Approach to e-Banking Adoption: The Moderating Impact of Trialability

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  • Frederick Pobee

Abstract

The purpose of this study is to assess the factors influencing the adoption of e-banking in a developing country and to explore the moderating effects of trialability on the relationship between behavioural intention and the actual use of e-banking services. The study has employed the convenience and cross-sectional data collection approach in three of the 16 regions in Ghana. Data was collected from 568 respondents through an online survey. The Partial Least Square-Structural Equation Modelling (PLS-SEM) was used to analyse the data. The findings indicate that performance expectancy, effort expectancy, social influence and facilitating conditions positively and significantly influence the intention to adopt e-banking. The structural path analysis also showed that trialability positively and significantly moderates the relationship between behavioural intention and actual use of e-banking platforms. This research fills the existing gap in the e-banking literature by integrating trialability into the Unified Theory of Acceptance and Use of Technology (UTAUT) model to assess its moderating impact on the relationship between behavioural intention and actual e-banking adoption in a developing country.

Suggested Citation

  • Frederick Pobee, 2022. "Non-Probabilistic Approach to e-Banking Adoption: The Moderating Impact of Trialability," Management and Labour Studies, XLRI Jamshedpur, School of Business Management & Human Resources, vol. 47(2), pages 183-198, May.
    • Handle: RePEc:sae:manlab:v:47:y:2022:i:2:p:183-198
    DOI: 10.1177/0258042X211054248
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    References listed on IDEAS

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    1. Perkins, Ed-Zilla Daniel & Annan, Jonathan, 2013. "Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers," International Journal of Business and Social Research, MIR Center for Socio-Economic Research, vol. 3(6), pages 94-108, June.
    2. Frederick Pobee & Daniel Opoku, 2018. "The Moderating Effects of Gender on E-Commerce Systems Adoption Factors," International Journal of Strategic Decision Sciences (IJSDS), IGI Global, vol. 9(4), pages 86-104, October.
    3. Perkins, Ed-Zilla Daniel & Annan, Jonathan, 2013. "Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers," International Journal of Business and Social Research, LAR Center Press, vol. 3(6), pages 94-108, June.
    4. Gao Changchun & Muhammad Jamal Haider & Tayyaba Akram, 2017. "Investigation of the Effects of Task Technology Fit, Attitude and Trust on Intention to Adopt Mobile Banking: Placing the Mediating Role of Trialability," International Business Research, Canadian Center of Science and Education, vol. 10(4), pages 77-91, April.
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