Academic literature on the topic 'Internet Banking acceptance'
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Journal articles on the topic "Internet Banking acceptance"
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Vuković, Marija, Snježana Pivac, and Duje Kundid. "Technology Acceptance Model for the Internet Banking Acceptance in Split." Business Systems Research Journal 10, no. 2 (September 1, 2019): 124–40. http://dx.doi.org/10.2478/bsrj-2019-022.
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AbstractBackground: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.
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Nasri, Wadie. "Acceptance of Internet Banking in Tunisian Banks." International Journal of E-Business Research 17, no. 3 (July 2021): 22–41. http://dx.doi.org/10.4018/ijebr.2021070102.
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The purpose of this study is to examine the factors which affect internet banking adoption acceptance in Tunisian banks by using the modified unified theory of acceptance and use of technology (UTAUT) model by adding attitude, trust, perceived risk, and perceived internet banking services quality. The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, attitude, facilitating conditions, social influence, and perceived internet banking services quality show a significant positive impact on the users' behavioural intention to use internet banking services. This study contributes to the literature by providing a new research model for understanding internet banking adoption in Tunisia, and its findings provide useful guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.
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Zaman, Sobia. "Consumer Acceptance of Online Banking: Application of Technology Acceptance Model." IBT Journal of Business Studies 14, no. 2 (2018): 41–52. http://dx.doi.org/10.46745/ilma.jbs.2018.14.02.04.
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This research reports the findings of a study concerning the acceptance of online banking in Pakistan. It investigates customer's adoption within the context of Pakistan online banking services whereby the research frame work is based on the extension of Technology Acceptance Model. The research model included factors that would influence the acceptance of online banking. The frame work dimensions includes online banking usage, quality of internet connection, perceived enjoyment, perceived usefulness, perceived ease of use and security & privacy. A survey was conducted to gather the data for study. Reliability, correlation and factor analysis were used to analyse the data. Results showed that quality of internet connection, amount of information on online banking and security and privacy has positive influence on online banking usage. Theoretical contributions and practical implications of the findings are discussed in the paper and suggestions for future research are proposed.
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Marafon, Daiane Lampugnani, Kenny Basso, Lélis Balestrin Espartel, Márcia Dutra de Barcellos, and Eduardo Rech. "Perceived risk and intention to use internet banking." International Journal of Bank Marketing 36, no. 2 (April 3, 2018): 277–89. http://dx.doi.org/10.1108/ijbm-11-2016-0166.
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Purpose The purpose of this paper is to analyze the moderating role of self-confidence and risk acceptance on the relationship between perceived risk and intention to use internet banking. Design/methodology/approach A survey was conducted with 180 Brazilian banking customers. The Johnson-Neyman test was used to verify the moderation and significant regions along self-confidence and risk acceptance levels. Findings Self-confidence and risk acceptance moderate the relationship between risk perception and intention to use internet banking. For individuals with high self-confidence, the effect of perceived risk on intention to use internet banking is lower than it is for individuals with low self-confidence. In the same way, for individuals with high risk acceptance, the effect of perceived risk on intention to use internet banking is lower than it is for individuals with low risk acceptance. Research limitations/implications This research contributes to the understanding of the conditions (two personal factors) under which risk perception does not influence intention to use a technological tool. Practical implications This paper provides insights for marketing managers to encourage customers to develop greater risk acceptance and self-confidence to minimize the negative effects of perceived risk of the adoption of internet banking. Originality/value Although risk perception can contribute to customers’ avoidance of internet banking, this is the first paper to verify how acceptance of risk and self-confidence can moderate the effects of perceived risk on intention to use internet banking.
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Rouibah, Kamel, Ramayah Thurasamy, and Oh Sook May. "User Acceptance of Internet Banking In Malaysia." International Journal of E-Adoption 1, no. 1 (January 2009): 1–19. http://dx.doi.org/10.4018/jea.2009010101.
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Eriksson, Kent, Katri Kerem, and Daniel Nilsson. "Customer acceptance of internet banking in Estonia." International Journal of Bank Marketing 23, no. 2 (March 2005): 200–216. http://dx.doi.org/10.1108/02652320510584412.
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Alsajjan, Bander, and Charles Dennis. "Internet banking acceptance model: Cross-market examination." Journal of Business Research 63, no. 9-10 (September 2010): 957–63. http://dx.doi.org/10.1016/j.jbusres.2008.12.014.
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Muchran, Muchriana. "Acceptance of Banking Information Technology in PT BNI of Makassar." Journal of Economics and Behavioral Studies 7, no. 2(J) (April 30, 2015): 124–30. http://dx.doi.org/10.22610/jebs.v7i2(j).570.
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Various advantages offered by the use of internet banking, but some customers are still associated with conventional ways of doing that is through ATM transactions or queue. The research aimed to analyze trust, perceived ease of use, perceived usefulness and experience to intention to use internet banking. This research was conducted in PT BNI of Makassar. The data were obtained using questionnaire given to customers. The populations were customers of BNI Bank listed as service users of Internet banking. The sample was selected using simple random sampling technique. Hypotheses tested use of Partial Least Square (PLS) method by means of AMOS program. The results of the research indicate that among the eight hypotheses, four of them are significant, while the other four not significant. Trust has significant to perceived ease of use. Trust does not have significant to perceived usefulness. Trust has significant to intention to use internet banking. Perceived ease of use has significant to perceived usefulness. Perceived ease of use does not have significant to intention to use internet banking. Perceived usefulness does not significant to intention to use internet banking. Perceived ease of use has significant relationship with intention to use internet banking modernized by experience. Perceived usefulness does not have significant relationship with intention to use internet banking modernized by experience.
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Grabner‐Kräuter, Sonja, and Rita Faullant. "Consumer acceptance of internet banking: the influence of internet trust." International Journal of Bank Marketing 26, no. 7 (October 10, 2008): 483–504. http://dx.doi.org/10.1108/02652320810913855.
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Saad, Bani. "Analisis Faktor-faktor yang Memengaruhi Penggunaan Internet Banking di Jabodetabek." Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) 3, no. 1 (March 6, 2019): 38. http://dx.doi.org/10.35384/jemp.v3i1.116.
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Internet banking service allows customers to conduct banking transactions online via a bank’s website, anytime, anywhere, faster, and relatively lower cost compared to other physical media services. According to that condition, the researcher was motivated to analyze the influence of some factors that affect customer acceptance of Internet Banking in Jabodetabek, using the framework of Technology Acceptance Model (TAM) based on Pikkarainen et al. (2004). Some variables analyzed in this research are Perceived usefulness (PU), Perceived ease of use (PEoU), Perceived Enjoyment (PE), Information on Internet Banking (I), Security and Privacy (SP), Quality of internet connection (Q), & internet banking use (U). The respondents of this research are Bank customers in Jabodetabek who use Internet Banking. Based on the data analysis, only information on internet banking has a positive and significant effect on internet banking use, Other independent variable doesn’t have a significant effect on internet banking use.
Dissertations / Theses on the topic "Internet Banking acceptance"
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Sattabusaya, Doungratana. "Key factors that determine acceptance and adoption of internet banking : the case of Thailand." Thesis, Cardiff University, 2008. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.494612.
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Chen, Lisa. "AN EXPLORATORY STUDY INTO THE ADOPTON OF INTERNET BANKING IN MAINLAND CHINA." OpenSIUC, 2013. https://opensiuc.lib.siu.edu/dissertations/668.
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Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary objective of this study is to integrate trust and uncertainty theoretically into the Decomposed Theory of Planned Behavior in investigating determinants that affect Internet banking adoption in a developing country. Thus, this research attempts to evaluate empirically adoption models for Internet banking and employs an integrated model to investigate the factors of Internet banking adoption in Mainland China. Sample date will be collected from Chinese college students in Mainland China. The structural equation modeling technique will be employed to test the proposed hypotheses. This study collected data from two public universities in Shandong Province, China. The results of statistical analysis suggested that beliefs of social norms, behavioral control, and trust have significant influences on an individual's intention to adopt Internet banking service. Within this sample of Chinese students, only perceived image on its attitude belief was not significant. The new knowledge generated in this research study will increase our understanding in financial, accounting, management of information system, business administration, and decision making related to the adoption of Internet banking in Mainland China.
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Al-Qeisis, Kholoud Ibrahim. "Analyzing the use of UTAUT model in explaining an online behaviour : Internet banking adoption." Thesis, Brunel University, 2009. http://bura.brunel.ac.uk/handle/2438/3620.
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Technology acceptance research is a constantly developing field. The disciplines that contributed to its development are either beliefs focused or system focused. The unified theory of acceptance and use of technology (UTAUT) combined both. The current research model proposes an extension to the UTAUT that accounts for online usage behaviour. The proposed research model is tested in two countries (UK and Jordan) to investigate the viability of the unified model of technology acceptance in different boundaries as a model of individuals’ discretionary usage of Internet banking. The study also questions the roles of other determinants and moderators in this context. Results found support for the effect of the proposed extension, website quality perceptions, on usage behaviour in both countries’ models; the total effect of this extension exhibited website quality perceptions the most influential determinant of usage behaviour in both models and performance expectancy construct was second in effect. Social influence had no impact on the usage behaviour in both models, which is consistent with previous research that advocates a declining role of social influence under discretionary usage and increased experience conditions. Furthermore, the moderating role of performance expectancy previously established in TAM’s research was supported in the UTAUT model in both countries’ models. Moreover, both models reported a non-moderating effect of gender, which, is also in line with recent research findings that suggest declining gender differences under voluntary usage conditions and advanced experience. Education and income were moderators only for the UK model. Although the research findings demonstrated that both countries’ models were “configurally” similar with respect to model specifications, the models’ explanatory power for usage behaviour was dissimilar: the UK’s model explanatory power exceeded that of Jordan’s model presenting an opportunity for future research. The current research contributes to knowledge in the field of technology acceptance research. It demonstrated that website quality perceptions, as a multidimensional concept, play an important role in the online usage context. It also demonstrated that the unified model of technology acceptance established in the western culture can be transferred to a non-western culture although with varying degrees of explanation power.
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Wu, MeiMei. "Investigating the adoption of banking services delivered over remote channels : the case of Chinese Internet banking customers." Thesis, Loughborough University, 2012. https://dspace.lboro.ac.uk/2134/9387.
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Customers adoption of Internet banking has become a widely-researched topic, although it is fair to state that some research gaps still exist. This research aims to fill some of the research gaps by examining the factors that determine the relevant behaviour of three different categories of Internet banking customers in China (i.e. current users, non-users, and discontinued users), and by developing two conceptual models that are derived from different, but complementary, theoretical approaches. The Decision Making Model and the Service and Relationship Evaluation Model are developed in this research. The Decision Making Model is grounded in the technology acceptance model (TAM) and it incorporates an additional construct of perceived value of using Internet banking. Additionally, the Service and Relationship Evaluation Model is derived from the service quality evaluation and relationship quality evaluation literature. Unlike in most other Internet banking adoption studies, these two conceptual models are used complementarily to deliver a comprehensive understanding of customers Internet banking adoption in China. The models are tested using a sample of 614 Chinese Internet banking customers collected via mall-intercept personal interviews based on questionnaires. Partial Least Square (PLS) path modelling and mediation analysis are applied to test the hypotheses advanced in the two models. The key findings of this research show that perceived value is a major factor for explaining customers Internet banking adoption, thus indicating to the banks that they should reduce costs associated with using Internet banking while providing more (perceived) benefits to customers; the importance of incorporating perceived value in Internet banking adoption model(s) is also demonstrated. The findings also confirm that perceived usefulness and perceived ease of use are important factors that determine the adoption of Internet banking by all categories of customers. Current users and non-users perceptions of their behavioural control over using Internet banking contribute to their adoption of Internet banking, and such control perceptions are shaped by self-efficacy, perceived government support and technological support. Additionally, it is demonstrated that both current users and discontinued users perceived value and perceived service quality of Internet banking have positive associations with their satisfaction with Internet banking, which lead to their Internet banking adoption. Moreover, the findings reveal that current users are more likely to continue with Internet banking if they are affectively committed to their banks; they are less likely to continue with Internet banking if they are calculatively committed to their banks due to the costs associated with leaving the banks. These therefore indicate the importance of establishing high-quality customer-bank relationships and placing less strict switching cost barriers that impose less pressure on their existing customers. This research contributes to the Internet banking adoption literature by (i) identifying the important category of Internet banking discontinued users, apart from current users and non-users; and (ii) using two complementary conceptual models, which are grounded in different theoretical streams, to investigate the relevant adoption behaviour of all three categories of Internet banking customers. It hence delivers a comprehensive understanding of personal customers adoption of Internet banking in China.
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Tabsh, Bassam Khalil Hamdan. "An investigation of the adoption by banks and acceptance by bank customers of internet banking in the Sultanate of Oman." Thesis, Cardiff Metropolitan University, 2012. http://hdl.handle.net/10369/6479.
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Internet banking has been part of the American and European banking system for many years, but only since 2005 have Omani banks adopted this technology. There is little research on Internet banking adoption in Oman and no research on Omani customers' acceptance of Internet banking. This two-phase research study used the unified theory of acceptance and use of technology (UTAUT) as a theoretical basis. The UTAUT model was modified by adding three constructs (culture, customers' attitude towards computers, trust) to investigate the key constructs influencing customers acceptance of Internet banking. In phase one fourteen managers in seven Omani banks were interviewed to clarify their understanding of Internet banking and determine the main challenges in the early stages of system adoption. The banks had a clear understanding of Internet banking terminology and identified a number of barriers in the early stages of Internet banking adoption which could be classified into internal and external barriers. The research identified the main constructs affecting customers' acceptance of Internet banking from the managers' perspectives and resulted in the exclusion of the 'voluntariness of use' moderator from the original UTAUT model. The second phase explored the key constructs affecting customers' acceptance of Internet banking. Multivariate analysis was used to analyse questionnaire responses from 611 customers. The results identified that one independent construct 'attitude towards Internet banking' comprising six sub-constructs influenced customers' intentions towards Internet banking. Gender, age and educational level moderators influenced the independent construct. Based upon these findings a model of Internet banking acceptance and use in the Omani context was developed that illustrates the key constructs affecting customers' acceptance of Internet banking in Oman. This is considered the major contribution of this research. The study offers potential solutions to overcome Omani customers' loyalty to traditional banking and encourage a shift towards adoption of Internet banking.
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Faltin, Viktor, and Erdyni Garmaev. "Digitaliseringen av svensk bankverksamhet : Om prisets påverkan av kundernas val." Thesis, Högskolan i Gävle, Företagsekonomi, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-23421.
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Syfte: Syftet med denna studie är att undersöka om faktorn pris påverkar konsumenter vid användning av bankens digitala tjänster. Metod: Vår studie är baserad på en kvantitativ forskningsmetod, som genomfördes medwebbaserade enkäter. Av de 164 påbörjade enkäterna, fick vi ut 162 representativa svar.Av insamlad empirisk data gjorde vi sedan en korrelationsanalys med hjälp avprogrammet SPSS. Analys: Studien visar att variabeln pris har en påverkan på kunder i valet av att användabankernas digitala tjänster. Pris tenderar att bli mindre framträdande då kunden uppleverett högt PU (upplevd användbarhet) eller PEOU (upplevd användarvänlighet). Förslag på vidare forskning: En replikation av denna studie hade varit intressant att semed ett annat urval. Vid genomförandet av denna studie har vi använt oss av ettbekvämlighetsurval, där större delen av respondenterna haft tidigare erfarenhet avinternetbanken. Teoretiskt och Praktiskt bidrag: Studien tydliggör att priset har en betydelse föracceptansen av ny teknologi, i detta fall internetbanken. Prisets betydelse är större hosde respondenter som inte tidigare haft någon erfarenhet av teknologin. Nyckelord: Internetbank, Technology acceptance model, TAM, Pris, Icke-monetärakostnader
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Alghamdi, Ahmed Dirwish G. "An integrated model of the influence of personal psychological traits and cognitive beliefs on customer satisfaction and continuance intentions in relation to Internet banking usage within the Saudi Arabian context." Thesis, University of Plymouth, 2014. http://hdl.handle.net/10026.1/3096.
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This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.
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"An integrated model for internet banking acceptance." 2000. http://library.cuhk.edu.hk/record=b5890191.
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by Leung Bun, Wong Kam Man.Thesis (M.B.A.)--Chinese University of Hong Kong, 2000.
Includes bibliographical references (leaves 78-81).
ABSTRACT --- p.ii
ACKNOWLEDGEMENT --- p.iii
TABLE OF CONTENTS --- p.iv
LIST OF FIGURES AND TABLES --- p.v
Chapter
Chapter I. --- INTRODUCTION --- p.1
Chapter II. --- LITERATURE REVIEW --- p.4
Chapter III. --- RESEARCH MODEL --- p.10
Chapter IV. --- RESEARCH METHODOLOGY --- p.15
Chapter V. --- RESEARCH RESULTS --- p.20
Chapter VI. --- DISCUSSION OF RESEARCH RESULTS --- p.34
Chapter VII. --- IMPLICATIONS TO MANAGERS AND RESEARCHERS --- p.42
Chapter VIII. --- CONCLUSION --- p.48
APPENDIX --- p.49
BIBLIOGRAPHY --- p.78
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Santa, Bárbara José Francisco Ferreirinha. "Technology acceptance in internet banking: A generational perspective." Master's thesis, 2021. http://hdl.handle.net/10071/24756.
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The technology is up for grabs and it is pretty much shaping up as the future of services, communications and so on. Some people, as well as companies, tend to use it and mostly rely on it to perform their daily basis activities. Some don’t. With that being said it is important to acknowledge why are some generations and sectors so perfectly engaged with terms like internet banking, and other generations and sectors are so reluctant to its usage. This study provides a look at what are the main factors contributing to the generation’s Y and Z technology acceptance. And what’s the difference this acceptance can make in service sectors such as the banking sector. Through the UTAUT (Unified Theory of Acceptance and Use of Technology) Model the factors and benefits of technology will be put up to test. Generation Y and Z partake in an online survey that counted with 311 respondents to determine their technology intention and usage. The advantages and limitations of the proposed framework are also discussed.A tecnologia está pronta para ser utilizada e está praticamente a moldar-se como o futuro dos serviços, das comunicações e assim em diante. Algumas pessoas, bem como empresas, tendem a utilizá-la e, na sua maioria, confiam nela para realizar as suas atividades diárias. Algumas não o fazem. Dito isto, é importante reconhecer porque é que algumas gerações e setores estão tão perfeitamente envolvidos com termos como o Internet Banking, e outras gerações e setores estão tão relutantes à sua utilização. Este estudo fornece um olhar sobre quais são os principais fatores que contribuem para a aceitação da tecnologia da geração Y e Z. E qual a diferença que esta aceitação pode fazer em setores de serviços, tais como o setor bancário. Através do modelo UTAUT (Unified Theory of Acceptance and Use of Technology) os fatores e benefícios da tecnologia serão postos à prova. As Geração Y e Z participam num inquérito online que conta com 311 inquiridos para determinar a sua intenção e utilização da tecnologia. As vantagens e limitações do estudo são também discutidas.
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Yen-Ju, Tseng, and 曾彥儒. "An Empirical Study of Internet Banking User Acceptance." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/23038144505724804425.
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碩士國立臺北大學
企業管理學系
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Owing to the rapid development of electronic commerce, Internet has characteristics of efficiency, and elasticity. Global businesses follow this tide to find the brand-new business model and close to customers to adjust the core business advantage. Especially in banking industry, they introduce the electronic commerce to application domain and the” e-banking” seems to the common aim of banking industry. In the empirical study of Internet banking user acceptance, we find that because the background and deals environment is thoroughly changed, traditional user technology acceptance model is insufficient. Before internet banking users accept internet banking, they need to realize that adopting this information technology will make financial tasks easier. We suggest increasing four additional external variables to explain the internet banking user acceptance extensively. In the basis of research background and research motive, we develop the following research purposes. (1) Prove technology acceptance model is suitable for the IT of internet banking. (2) Prove “Personalization”, “Alliance Service”, “Task Familiarity”, and ”Accessibility” four variables are the determinants of internet banking user acceptance. (3) Provide Taiwan internet banking promotion strategies to make internet banking in Taiwan used frequently and extensively. After establishing research purposes firmly, the first step is to determine the internet banking user acceptance four determinants via literature review. Using structural equation model to discuss the path relationships among four external variables, “perceived Use of Ease”, “Perceived Usefulness”, and “Adopting Attitude” and prove the research hypothesis. Research findings are as follows after statistical empirical analysis. (1) Prove technology acceptance model is suitable for the IT of internet banking. (2) Prove “Personalization”, “Alliance Service”, “Task Familiarity”, and ”Accessibility” four variables possess strong positive influence to internet banking user acceptance. (3) Provide marketing strategy suggestions about the development of Taiwan internet banking. We can derive implications from the empirical analysis outcome. For example, the more personalization banking customers participates the internet banking service, the more usefulness they perceive the service; Customers expect to get many services or “one-stop shopping” banking service; banking not only design friendly interface, but also increase banking services to raise the information system usefulness.
Books on the topic "Internet Banking acceptance"
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Bátiz-Lazo, Bernardo. Cash and Dash. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198782810.001.0001.
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Cash and Dash looks at the origins and development of the automated teller machine (ATM) as means to provide the unifying thread to explain changes in retail banking brought about by and around the introduction of computer technology. Main themes include an explanation of why technological change is slow in retail financial markets, and how different groups of people and organizations interact to shape a particular technology. Documentary evidence helps to clarify the myth of the single inventor and details the monumental task to deliver digital banking for retail consumers. Of particular importance for banks around the world throughout this task, was the need to balance new and unintended uses of a device by consumers as opposed to solving impending technical issues and gaining consumers’ trust, acceptance, and high usage. Research illuminates the progress of an industry-specific innovation becoming a novelty and how new payment devices embed in everyday life. The story in Cash and Dash also illustrates that serious ethical and political issues can emerge while adopting, making operational, and maintaining a particular technology within and around retail financial institutions. This approach contrasts with others that perceive technological change as external, neutral, and devoid of context and social setting. The book aims to keep the focus of the narrative off obsolescence and on maintenance and reinvention, while also allowing space to provide conceptual underpinnings and celebrating industry milestones. In short, Cash and Dash recounts a story of decisions about capital investments, business strategies, and technological evolution, and how these were followed by decisions dealing with legacy systems, personnel, standards, locations, and whether machines could become a source of competitive advantage in retail banking.
Book chapters on the topic "Internet Banking acceptance"
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YenYuen, Yee, and P. H. P. Yeow. "User Acceptance of Internet Banking Service in Malaysia." In Lecture Notes in Business Information Processing, 295–306. Berlin, Heidelberg: Springer Berlin Heidelberg, 2009. http://dx.doi.org/10.1007/978-3-642-01344-7_22.
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Pires, Péricles José, Bento Alves da Costa Filho, and João Carlos da Cunha. "Technology Readiness Index (TRI) Factors as Differentiating Elements between Users and Non Users of Internet Banking, and as Antecedents of the Technology Acceptance Model (TAM)." In Communications in Computer and Information Science, 215–29. Berlin, Heidelberg: Springer Berlin Heidelberg, 2011. http://dx.doi.org/10.1007/978-3-642-24355-4_23.
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Haking, Fandy Boy, Chee Hou Chin, Azan Shah Ambo Abdul Raoff, Mohd Rahmat Masri Kahar, Jeffry Benjamin, and Azeres Olennero Boibi. "Consumer Acceptance of Internet Banking." In Handbook of Research on Leveraging Consumer Psychology for Effective Customer Engagement, 42–56. IGI Global, 2017. http://dx.doi.org/10.4018/978-1-5225-0746-8.ch003.
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The purpose of this research is to investigate the main factor that influences the usage of internet banking in Malaysia. This study applies the concept of Unified Theory of Acceptance and Use of Technology (UTAUT) in internet banking context. This research implements hierarchical regression for All the bank company should be alert in customer satisfaction for their system and not just focus for the profit. The framework will be useful for bank to improve their system to more systematic and efficient. data analysis. Data was collected from 210 students of public higher learning institution in Federal Territory of Labuan, Malaysia via convenience sampling technique. The result of this study give impacts towards the future research in technology acceptance. The empirical results will be useful for financial institution or bank in order to improve the internet banking system that they currently used.
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Akgül, Yakup, Tuğçe Öztürk, and Züleyha Varol. "Investigation of Internet Banking Users' Perceptions and Factors Affecting Internet Banking Benchmarks." In Advances in Marketing, Customer Relationship Management, and E-Services, 64–82. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-8015-7.ch005.
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Increasing consumer needs in parallel with technological developments brought different demands with it. One of the activities to meet these developing and changing needs in the banking sector is the development and utilization of web-based applications. The main aim of the chapter is to approach the perceptions of internet banking customers and the factors that affect the adoption of internet banking. To explain the acceptance of internet banking in the study, the extended technology acceptance model, “UTAUT2,” which is called the most comprehensive of the technology acceptance models and the latest developed, has been applied and expanded by adding the perceived risk factor. A structural equation model (SEM) was used to analyze the collected data from the applied questionnaires. The results show that behavioral intention is significantly influenced by performance expectation and price value. However, perceived risk, social impact, effort anticipation, hedonic motivation has not been seen to have a significant effect on behavioral intentions.
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Makris, Miltiadis, Harilaos Koumaras, Anastasia Konstantopoulou, Sotiris Konidis, and Spyros Kostakis. "Customer Acceptance of Internet Banking Services in Greece." In Advances in Banking Technology and Management, 53–69. IGI Global, 2008. http://dx.doi.org/10.4018/978-1-59904-675-4.ch004.
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This chapter deals with the factors that affect the Internet Banking customer acceptance. More specifically, it is examined the case of ALPHA Bank branch in Greece, which is a pioneer in introducing and applying e-banking services in Greece. In this framework, the chapter performs a factor analysis based on the gathered results provided by customer-questionnaires in order to quantify the various parameters that affect the use of an Internet Banking System. The findings of the analysis show that although IBS in Greece is steadily increasing its penetration, factors like security, ease of use and perceived usefulness of a system continue to play a major role on the final decision of the customer to adopt an Internet Banking System.
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Rouibah, Kamel, T. Ramayah, and Oh Sook May. "Modeling User Acceptance of Internet Banking in Malaysia." In E-Adoption and Socio-Economic Impacts, 1–23. IGI Global, 2011. http://dx.doi.org/10.4018/978-1-60960-597-1.ch001.
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This study is the first empirical research that compares three well known technology adoption models in the in the field of e-banking. It aims to determine the dominant factor(s) which influence the user intention to use Internet banking. Three models (TAM, TPB, and TRA) were used to test the impact of five factors (perceived ease of use, perceived usefulness, attitude, subjective norms, and perceived behavioral control) on intention to adopt e-banking by 239 individual bank customers in Malaysia. Survey questions from prior studies were adopted and customized. Partial least Square (PLS) SmartPLS M2 Version 2.0 was used for data analysis. Results reveal that the five factors have a direct positive effect on behavioral intention to use Internet banking. However, attitude toward behavior has the highest beta, followed by perceived usefulness, and subjective norm, while perceived behavioral control exerts the weakest effect. In testing the explanatory power of the different models, results found TAM model has the best explanatory power, followed by TPB and TRA models. Findings of the study should benefit banks in improving their use of e-banking technologies as a strategic weapon, and can be used to target more potential customers.
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Akgül, Yakup. "An Analysis of Customers' Acceptance of Internet Banking." In E-Manufacturing and E-Service Strategies in Contemporary Organizations, 154–98. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-3628-4.ch007.
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The aim of this chapter is to provide insights into the causal factor of people's internet banking acceptance. It endeavors to address a research need for extending the technology acceptance model (TAM) by adding contextual variables and its implication on e-customer satisfaction and e-customer loyalty. As trust and service quality has never failed to be a significant predictor in e-commerce research, this study proposes to integrate trust and service quality into the TAM to get a better understanding of e-banking adoption. A research model reflecting the effect of e-trust and internet banking service quality dimensions on TAM constructs is proposed.
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Huang, Leelien Ken. "Culture and Internet Banking Technology." In Advances in IT Standards and Standardization Research, 239–59. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7214-5.ch011.
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The interaction between the cultural value of long-term orientation and internet banking technology acceptance is examined. A survey involving a total of 376 potential users was conducted in an internet banking setting in Taiwan. The results confirm previous TAM findings that both efficacy and belief variables have significantly positive direct and in-direct effects on the usage, but under the cultural influence of long-term orientation, users remain hesitant to accept internet banking technology because they are more concerned with face-to-face long-term bank relationships to ensure future gratification than with current social status influence to obtain immediate benefits (e.g., convenience). Practitioners may refer this cultural influence on users' behavior in Fin-tech development. The implications of the study are discussed.
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Dada, Abimbola. "Adoption and Acceptance of Online Banking." In Advances in Marketing, Customer Relationship Management, and E-Services, 263–93. IGI Global, 2017. http://dx.doi.org/10.4018/978-1-5225-2206-5.ch012.
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The introduction of electronic banking has revolutionised the financial and banking industry, with an increase in the flow of finances and capital remotely and also serve as a strategic move for firms to promote their financial services in emerging market. The research is a comparative study of the adoption and acceptance of online banking in a develop country like UK as opposed to an emerging market like Nigeria. The study reveals that majority of UK customers are more confident using online banking and carry out most of their banking transaction online. Unlike Nigerian customers where having access to the internet is considered as luxury. Furthermore, both countries highlighted security/privacy and fraud as the key constraint to fully embracing online banking.
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Carr, Mahil. "Adoption and Diffusion of Internet Banking." In Advances in Banking Technology and Management, 33–52. IGI Global, 2008. http://dx.doi.org/10.4018/978-1-59904-675-4.ch003.
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This chapter reviews important theories?the diffusion of innovations theory, the theory of planned behavior, and the technology acceptance model?in information systems that explain the adoption and diffusion of new technological innovations especially in the context of Internet banking. These theories taken together provide us with psychological models that influence the adoption of a new delivery channel for banks, that is, Internet banking. Empirical works that have investigated these theories are discussed. A critical perspective is offered that highlights the theoretical and methodological limitations of these models. Newer and richer models that take into account the socio-historic contexts of technology adoption are called for. Approaches that complement or challenge positivistic methodologies that are interpretive are presented in a case study. Relating theory to practice this chapter discusses possible future trends in Internet banking that could make an attempt to include populations that are not included in the modern electronic formal mainstream financial systems.
Conference papers on the topic "Internet Banking acceptance"
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Yulianti, Liza, Emil R. Kaburuan, Karona Cahya Susena, Monica Mayeni, and Wahyu Sardjono. "Customer Acceptance Factors Against Internet Banking Analysis." In 2018 International Conference on Orange Technologies (ICOT). IEEE, 2018. http://dx.doi.org/10.1109/icot.2018.8705896.
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Zhang, Rui-jin, Guo-xin Li, and Ze-zhou Sun. "Relationship between consumer innovativeness and internet banking acceptance." In 2014 International Conference on Management Science and Engineering (ICMSE). IEEE, 2014. http://dx.doi.org/10.1109/icmse.2014.6930245.
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Oluyinka, Solomon Ayodele, Anatalia Narciso Endozo, and Rolando Reyes Calma. "A study on the acceptance of internet banking." In the 10th International Conference. New York, New York, USA: ACM Press, 2018. http://dx.doi.org/10.1145/3290511.3290531.
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"Acceptance Of Internet Banking In Bangladesh: Evidence From Bangladesh." In International Conference on Business, Law and Corporate Social Responsibility. International Centre of Economics, Humanities and Management, 2014. http://dx.doi.org/10.15242/icehm.ed1014028.
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Karuppiah, Namasivayam, Ulaganathan Subramanian, Radin Jefri Radin Mas Basiuni, Asmahlati Ahmad, Samuvel Kuttiappan, and Senthil Kumar. "Customer acceptance of internet banking in Brunei Darussalam d." In 2022 1st International Conference on Technology Innovation and Its Applications (ICTIIA). IEEE, 2022. http://dx.doi.org/10.1109/ictiia54654.2022.9935977.
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Candra, Sevenpri. "Revisit Technology Acceptance Model for Internet Banking (Case Study: Public Banking in Indonesia)." In Proceedings of the International Conference on Computer, Networks and Communication Engineering (ICCNCE 2013). Paris, France: Atlantis Press, 2013. http://dx.doi.org/10.2991/iccnce.2013.183.
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Liu, Gang, Yuan-Fang Song, and Cheng Qian. "User Acceptance of Internet Banking: An Empirical Study in China." In 2008 4th International Conference on Wireless Communications, Networking and Mobile Computing (WiCOM). IEEE, 2008. http://dx.doi.org/10.1109/wicom.2008.2119.
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Liu, Gang, Su-Ping Huang, and Xin-Kai Zhu. "User Acceptance of Internet Banking in an Uncertain and Risky Environment." In Engineering Management. IEEE, 2008. http://dx.doi.org/10.1109/icrmem.2008.82.
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Chirani, Ibrahim, and Yalda Rahmati Ghofrani. "Designing a model for explanation of the internet banking acceptance rate." In 2010 2nd IEEE International Conference on Information Management and Engineering. IEEE, 2010. http://dx.doi.org/10.1109/icime.2010.5478241.
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Dong Cheng, Gang Liu, Cheng Qian, and Yuan-Fang Song. "Customer acceptance of internet banking: Integrating trust and quality with UTAUT model." In 2008 IEEE International Conference on Service Operations and Logistics, and Informatics (SOLI). IEEE, 2008. http://dx.doi.org/10.1109/soli.2008.4686425.
Full textReports on the topic "Internet Banking acceptance"
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Payment Systems Report - June of 2020. Banco de la República de Colombia, February 2021. http://dx.doi.org/10.32468/rept-sist-pag.eng.2020.
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With its annual Payment Systems Report, Banco de la República offers a complete overview of the infrastructure of Colombia’s financial market. Each edition of the report has four objectives: 1) to publicize a consolidated account of how the figures for payment infrastructures have evolved with respect to both financial assets and goods and services; 2) to summarize the issues that are being debated internationally and are of interest to the industry that provides payment clearing and settlement services; 3) to offer the public an explanation of the ideas and concepts behind retail-value payment processes and the trends in retail payments within the circuit of individuals and companies; and 4) to familiarize the public, the industry, and all other financial authorities with the methodological progress that has been achieved through applied research to analyze the stability of payment systems. This edition introduces changes that have been made in the structure of the report, which are intended to make it easier and more enjoyable to read. The initial sections in this edition, which is the eleventh, contain an analysis of the statistics on the evolution and performance of financial market infrastructures. These are understood as multilateral systems wherein the participating entities clear, settle and register payments, securities, derivatives and other financial assets. The large-value payment system (CUD) saw less momentum in 2019 than it did the year before, mainly because of a decline in the amount of secondary market operations for government bonds, both in cash and sell/buy-backs, which was offset by an increase in operations with collective investment funds (CIFs) and Banco de la República’s operations to increase the money supply (repos). Consequently, the Central Securities Depository (DCV) registered less activity, due to fewer negotiations on the secondary market for public debt. This trend was also observed in the private debt market, as evidenced by the decline in the average amounts cleared and settled through the Central Securities Depository of Colombia (Deceval) and in the value of operations with financial derivatives cleared and settled through the Central Counterparty of Colombia (CRCC). Section three offers a comprehensive look at the market for retail-value payments; that is, transactions made by individuals and companies. During 2019, electronic transfers increased, and payments made with debit and credit cards continued to trend upward. In contrast, payments by check continued to decline, although the average daily value was almost four times the value of debit and credit card purchases. The same section contains the results of the fourth survey on how the use of retail-value payment instruments (for usual payments) is perceived. Conducted at the end of 2019, the main purpose of the survey was to identify the availability of these payment instruments, the public’s preferences for them, and their acceptance by merchants. It is worth noting that cash continues to be the instrument most used by the population for usual monthly payments (88.1% with respect to the number of payments and 87.4% in value). However, its use in terms of value has declined, having registered 89.6% in the 2017 survey. In turn, the level of acceptance by merchants of payment instruments other than cash is 14.1% for debit cards, 13.4% for credit cards, 8.2% for electronic transfers of funds and 1.8% for checks. The main reason for the use of cash is the absence of point-of-sale terminals at commercial establishments. Considering that the retail-payment market worldwide is influenced by constant innovation in payment services, by the modernization of clearing and settlement systems, and by the efforts of regulators to redefine the payment industry for the future, these trends are addressed in the fourth section of the report. There is an account of how innovations in technology-based financial payment services have developed, and it shows that while this topic is not new, it has evolved, particularly in terms of origin and vocation. One of the boxes that accompanies the fourth section deals with certain payment aspects of open banking and international experience in that regard, which has given the customers of a financial entity sovereignty over their data, allowing them, under transparent and secure conditions, to authorize a third party, other than their financial entity, to request information on their accounts with financial entities, thus enabling the third party to offer various financial services or initiate payments. Innovation also has sparked interest among international organizations, central banks, and research groups concerning the creation of digital currencies. Accordingly, the last box deals with the recent international debate on issuance of central bank digital currencies. In terms of the methodological progress that has been made, it is important to underscore the work that has been done on the role of central counterparties (CCPs) in mitigating liquidity and counterparty risk. The fifth section of the report offers an explanation of a document in which the work of CCPs in financial markets is analyzed and corroborated through an exercise that was built around the Central Counterparty of Colombia (CRCC) in the Colombian market for non-delivery peso-dollar forward exchange transactions, using the methodology of network topology. The results provide empirical support for the different theoretical models developed to study the effect of CCPs on financial markets. Finally, the results of research using artificial intelligence with information from the large-value payment system are presented. Based on the payments made among financial institutions in the large-value payment system, a methodology is used to compare different payment networks, as well as to determine which ones can be considered abnormal. The methodology shows signs that indicate when a network moves away from its historical trend, so it can be studied and monitored. A methodology similar to the one applied to classify images is used to make this comparison, the idea being to extract the main characteristics of the networks and use them as a parameter for comparison. Juan José Echavarría Governor