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An application of the extended Technology Acceptance Model in understanding technology-enabled financial service adoption in South Africa

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  • John P Wentzel
  • Krishna Sundar Diatha
  • VSS Yadavalli

Abstract

The last 10 years have seen a significant increase in the provision of consumer services through technology. Computers, mobile phones, the Internet and self-service kiosks are examples of technology platforms that have enabled services to be offered to consumers in new ways. In South Africa, technology-enabled financial services have the potential to expand financial inclusion, especially at the bottom of the pyramid. There is a need to understand how consumers adopt technology-enabled services. Using grounded theory, an enhancement to the Technology Acceptance Model is proposed and developed to explain adoption of technology-enabled financial services. Confirmatory factor analysis is used to validate the model against data obtained from a survey. The proposed model fits the data well. Implications of the model are discussed.

Suggested Citation

  • John P Wentzel & Krishna Sundar Diatha & VSS Yadavalli, 2013. "An application of the extended Technology Acceptance Model in understanding technology-enabled financial service adoption in South Africa," Development Southern Africa, Taylor & Francis Journals, vol. 30(4-5), pages 659-673, December.
    • Handle: RePEc:taf:deveza:v:30:y:2013:i:4-5:p:659-673
    DOI: 10.1080/0376835X.2013.830963
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    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.
    2. Rebecca Hamilton & Debora Thompson & Sterling Bone & Lan Nguyen Chaplin & Vladas Griskevicius & Kelly Goldsmith & Ronald Hill & Deborah Roedder John & Chiraag Mittal & Thomas O’Guinn & Paul Piff & Car, 2019. "The effects of scarcity on consumer decision journeys," Journal of the Academy of Marketing Science, Springer, vol. 47(3), pages 532-550, May.
    3. Simran Jit Kaur & Liaqat Ali & M. Kabir Hassan & Md Al-Emran, 2021. "Adoption of digital banking channels in an emerging economy: exploring the role of in-branch efforts," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(2), pages 107-121, June.
    4. Joel R. Motaung & Portia Pearl Siyanda Sifolo, 2023. "Benefits and Barriers of Digital Procurement: Lessons from an Airport Company," Sustainability, MDPI, vol. 15(5), pages 1-18, March.
    5. Barbara Jeanne Slazus & Geoffrey Bick, 2022. "Factors that Influence FinTech Adoption in South Africa: A Study of Consumer Behaviour towards Branchless Mobile Banking," Athens Journal of Business & Economics, Athens Institute for Education and Research (ATINER), vol. 8(1), pages 43-64, January.

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