Araştırma Makalesi
Yıl 2019,
Cilt: 5 Sayı: 14, 1005 - 1015, 15.09.2019
Öz
The purpose of the
present study is to understand the factors influencing adoption of internet
banking in Malaysia. A model has been proposed based on the technology
acceptance model (TAM). The proposed model is referred to as extended TAM and
is better suited to identify and quantify the important factors that influence
adoption of internet banking (IB) technology in the country. Data were
collected from 487 individuals who are either current or prospective internet
banking users. Partial Least Squared (PLS) was used to identify the important
factors affecting technological adoption. It is found that perceived usefulness (PU) and
familiarity have a significant relationship towards the behavior of users to
use IB. Perceived ease of usefulness (PEU), awareness and opportuneness on the
other hand, have been identified as not having significant relationship towards
the behavior of consumers to use IB in the tested mediated model. This study
enables IB service providers in Malaysia to design new service offerings or
modify current service offerings to achieve higher adoption rates in IB.
Anahtar Kelimeler
Technology Acceptance Model (TAM) internet banking technology adoption technology innovation
Kaynakça
- [1] M. A. Jalil, M. Talukder, and M. K. Rahman, “Factors Affecting Customer’s Perceptions Towards Online Banking Transactions in Malaysia,” J. Bus. Manag., vol. 20, no. 1, pp. 25–45, 2012. [2] M. Xue, L. M. Hitt, and P. Chen, “Determinants and Outcomes of Internet Banking Adoption,” Manage. Sci., vol. 57, no. 2, pp. 291–307, 2011. [3] H. Kalaiarasi and V. Srividya, “A study on factors influencing young user’s online banking channel usage in india,” J. Commer. Account. Res., vol. 1, no. 3, pp. 17–22, 2011. [4] F. O. Omotayo and A. K. Adebayo, “Factors influencing intention to adopt internet banking by postgraduate students of the university of Ibadan, Nigeria,” J. Internet Bank. Commer., vol. 20, no. 3, 2015. [5] N. H. Al-Fahim, “An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students,” Glob. J. Manag. Bus. Res. Financ., vol. 13, no. 8, 2013. [6] M. S. M. Ariff, Y. S. Min, N. Zakuan, N. Ishak, and K. Ismail, “The effects of computer self-Efficacy and technology acceptance model on behavioral intention in Internet banking systems,” Rev. Integr. Bus. Econ. Res., vol. 2, no. 2, pp. 587–601, 2012. [7] F. D. Davis, “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Q., vol. 13, no. 3, pp. 319–340, 1989. [8] K. Danurdoro and D. Wulandari, “The Impact of Perceived Usefulness , Perceived Ease of Use , Subjective Norm , and Experie nce Toward Student ’ s Intention to Use Internet Banking,” vol. 8, no. 1, pp. 17–22, 2016. [9] V. H. Vroom, Work and Motivation, vol. 5. 1964. [10] D. K. Muzividzi, R. Mbizi, and T. Mukwazhe, “An Analysis of Factors that Influence Internet Banking Adoption among Intellectuals: Case of Chinhoyi University of Technology,” J. Contemp. Res. Bus., vol. 4, no. 11, pp. 350–369, 2013. [11] A. Shanmugam, M. T. Savarimuthu, and T. C. Wen, “Factors affecting Malaysian behavioral intention to use mobile banking with mediating effects of attitude,” Acad. Res. Int., vol. 5, no. 2, pp. 236–253, 2014. [12] C. Nitzl, J. L. Roldan, and G. Cepeda, “Mediation analysis in partial least squares path modeling,” Ind. Manag. Data Syst., vol. 116, no. 9, pp. 1849–1864, 2016. [13] N. H. Al-Fahim, “Factors Affecting the Adoption of Internet Banking Amongst IIUM’ students: A Structural Equation Modeling Approach,” J. Internet Bank. Commer., vol. 17, no. 3, pp. 1–14, 2012. [14] G. Radhakrishna, “Liability Issues in Internet Banking In Malaysia,” Commun. IBIMA, vol. 7, no. ii, pp. 1–7, 2009. [15] B. N. M. BNM, “Internet Banking and Mobile Banking Subscribers,” Kuala Lumpur, 2016. [16] S. Y. Park, “An Analysis of the Technology Acceptance Model in Understanding University Students’ Behavioral Intention to Use e-Learning,” Educ. Technol. Soc., vol. 12, no. 3, pp. 150–162, 2009. [17] S. N. Baraghani, “Factors Influencing the Adoption of Internet Banking,” Tarbiat Modares University Faculty of Engineering, 2008. [18] N. Karuppiah, U. Subramanian, S. Seng Hu, and R. J. Radin Mas Basiuni, “Customer Acceptance of Internet Banking in Brunei Darussalam,” SSRN Electron. J., 2014. [19] A. Y.-L. Chong, “Online banking adoption: an empirical analysis,” Int. J. Bank Mark., vol. 36, no. 6, pp. 350–287, 2010. [20] A. Sekyere Mbrokoh, “Exploring the Factors that Influence the Adoption of Internet Banking in Ghana,” J. Internet Bank. Commer., vol. 21, no. 212, 2016. [21] P. Guriting and N. O. Ndubisi, “Borneo online banking: evaluating customer perceptions and behavioural intention,” Manag. Res. News, vol. 29, no. 1/2, pp. 6–15, 2006. [22] M. Polasik and T. P. Wisniewski, “Empirical analysis of internet banking adoption in Poland,” Int. J. Bank Mark., vol. 27, no. 1, pp. 32–52, 2009. [23] M. Bendigeri and V. Hulgur, “Awareness and Knowledge of Internet Banking Services Among the Customers Of Private and Public Sector Banks in Hubli City,” Asian J. Res. Bank. Financ., vol. 4, no. 8, pp. 222–236, 2014. [24] J. R. Khatri and K. Upadhyay-Dhungel, “Internet Banking in Nepal : Use and Challenges,” Bank. J., vol. 3, no. 2, pp. 57–77, 2013. [25] A. Tandon, M. Goel, and S. Bishnoi, “Consumer Awareness towards Internet Banking : A Comparative Study of Public , Private and Foreign Banks,” Int. J. Hybrid Inf. Technol., vol. 9, no. 6, pp. 77–90, 2016. [26] M. Chinakidzwa, P. Mbengo, and M. Nyatsambo, “Mobile money usage in rural areas of Zimbabwe - case of Mudzi District,” vol. 6, no. 2, pp. 128–132, 2015. [27] N. Jahangir and N. Begum, “The role of perceived usefulness , perceived ease of use , security and privacy , and customer attitude to engender customer adaptation in the context of electronic banking,” vol. 2, no. 1, pp. 32–40, 2008. [28] U. Sekaran and R. Bougie, “Research methods for business,” in Research methods for business, 2013, p. 436. [29] Y. Wang, Y. Chen, and J. Benitez-Amado, “How information technology influences environmental performance: Empirical evidence from China,” Int. J. Inf. Manage., vol. 35, no. 2, pp. 160–170, 2015. [30] G. Yin and B. Yang, “The construction of firm’s IT capability and its impact on IT assimilation: an empirical investigation in China,” Serv. Sci., vol. 2, no. 2, pp. 110–121, 2011. [31] X. Zhao, J. G. Lynch Jr., and Q. Chen, “Reconsidering Baron and Kenny: Myths and Truths about Mediation Analysis,” J. Consum. Res., vol. 37, no. 2, pp. 197–206, 2010. [32] Department of Statistics Malaysia, “Department of Statistics Press Release Ict Use and Access By Individuals and Households Survey Report ,” Kuala Lumpur, 2016. [33] D. Arias-Aranda, “Reasons for information technology adoption and sophistication within manufacturing SMEs,” in POMS 22nd Annual Conference: Operations management: The enabling link, 2011, no. April-May 2011, pp. 1–40. [34] H. Amin, "Internet banking adoption among young intellectuals", The Journal of Internet Banking and Commerce, vol. 12, no. 3, pp. 1-13, 2007. [35] H. Amin, "An analysis of online banking usage intentions: an extension of the technology acceptance model", International Journal of Business and Society, vol. 10, no. 1, pp.27, 2009. [36] R. Scherera, F. Siddiq, J. Tondeurc, "The technology acceptance model (TAM): A meta-analytic structural equation modeling approach to explaining teachers’ adoption of digital technology in education", Computers & Education, vol. 128, pp. 13-35, 2019. [37] E. Ernovianti, N. K. Nik Mat, U. Kassim, R. Rashid, M. S. Meor Shaari, "The Usage of Internet Banking Service among Higher Learning Students in Malaysia", American Journal of Economics, June, special issue, pp. 105-108, 2012. [38] M. T. Jan and A. Haque, "Antecedents of the Use of Online Banking by Students in Malaysia Extended TAM Validated Through SEM", International Business Management, vol. 8, pp. 277-284, 2014.
Yıl 2019,
Cilt: 5 Sayı: 14, 1005 - 1015, 15.09.2019
Öz
Kaynakça
- [1] M. A. Jalil, M. Talukder, and M. K. Rahman, “Factors Affecting Customer’s Perceptions Towards Online Banking Transactions in Malaysia,” J. Bus. Manag., vol. 20, no. 1, pp. 25–45, 2012. [2] M. Xue, L. M. Hitt, and P. Chen, “Determinants and Outcomes of Internet Banking Adoption,” Manage. Sci., vol. 57, no. 2, pp. 291–307, 2011. [3] H. Kalaiarasi and V. Srividya, “A study on factors influencing young user’s online banking channel usage in india,” J. Commer. Account. Res., vol. 1, no. 3, pp. 17–22, 2011. [4] F. O. Omotayo and A. K. Adebayo, “Factors influencing intention to adopt internet banking by postgraduate students of the university of Ibadan, Nigeria,” J. Internet Bank. Commer., vol. 20, no. 3, 2015. [5] N. H. Al-Fahim, “An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students,” Glob. J. Manag. Bus. Res. Financ., vol. 13, no. 8, 2013. [6] M. S. M. Ariff, Y. S. Min, N. Zakuan, N. Ishak, and K. Ismail, “The effects of computer self-Efficacy and technology acceptance model on behavioral intention in Internet banking systems,” Rev. Integr. Bus. Econ. Res., vol. 2, no. 2, pp. 587–601, 2012. [7] F. D. Davis, “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Q., vol. 13, no. 3, pp. 319–340, 1989. [8] K. Danurdoro and D. Wulandari, “The Impact of Perceived Usefulness , Perceived Ease of Use , Subjective Norm , and Experie nce Toward Student ’ s Intention to Use Internet Banking,” vol. 8, no. 1, pp. 17–22, 2016. [9] V. H. Vroom, Work and Motivation, vol. 5. 1964. [10] D. K. Muzividzi, R. Mbizi, and T. Mukwazhe, “An Analysis of Factors that Influence Internet Banking Adoption among Intellectuals: Case of Chinhoyi University of Technology,” J. Contemp. Res. Bus., vol. 4, no. 11, pp. 350–369, 2013. [11] A. Shanmugam, M. T. Savarimuthu, and T. C. Wen, “Factors affecting Malaysian behavioral intention to use mobile banking with mediating effects of attitude,” Acad. Res. Int., vol. 5, no. 2, pp. 236–253, 2014. [12] C. Nitzl, J. L. Roldan, and G. Cepeda, “Mediation analysis in partial least squares path modeling,” Ind. Manag. Data Syst., vol. 116, no. 9, pp. 1849–1864, 2016. [13] N. H. Al-Fahim, “Factors Affecting the Adoption of Internet Banking Amongst IIUM’ students: A Structural Equation Modeling Approach,” J. Internet Bank. Commer., vol. 17, no. 3, pp. 1–14, 2012. [14] G. Radhakrishna, “Liability Issues in Internet Banking In Malaysia,” Commun. IBIMA, vol. 7, no. ii, pp. 1–7, 2009. [15] B. N. M. BNM, “Internet Banking and Mobile Banking Subscribers,” Kuala Lumpur, 2016. [16] S. Y. Park, “An Analysis of the Technology Acceptance Model in Understanding University Students’ Behavioral Intention to Use e-Learning,” Educ. Technol. Soc., vol. 12, no. 3, pp. 150–162, 2009. [17] S. N. Baraghani, “Factors Influencing the Adoption of Internet Banking,” Tarbiat Modares University Faculty of Engineering, 2008. [18] N. Karuppiah, U. Subramanian, S. Seng Hu, and R. J. Radin Mas Basiuni, “Customer Acceptance of Internet Banking in Brunei Darussalam,” SSRN Electron. J., 2014. [19] A. Y.-L. Chong, “Online banking adoption: an empirical analysis,” Int. J. Bank Mark., vol. 36, no. 6, pp. 350–287, 2010. [20] A. Sekyere Mbrokoh, “Exploring the Factors that Influence the Adoption of Internet Banking in Ghana,” J. Internet Bank. Commer., vol. 21, no. 212, 2016. [21] P. Guriting and N. O. Ndubisi, “Borneo online banking: evaluating customer perceptions and behavioural intention,” Manag. Res. News, vol. 29, no. 1/2, pp. 6–15, 2006. [22] M. Polasik and T. P. Wisniewski, “Empirical analysis of internet banking adoption in Poland,” Int. J. Bank Mark., vol. 27, no. 1, pp. 32–52, 2009. [23] M. Bendigeri and V. Hulgur, “Awareness and Knowledge of Internet Banking Services Among the Customers Of Private and Public Sector Banks in Hubli City,” Asian J. Res. Bank. Financ., vol. 4, no. 8, pp. 222–236, 2014. [24] J. R. Khatri and K. Upadhyay-Dhungel, “Internet Banking in Nepal : Use and Challenges,” Bank. J., vol. 3, no. 2, pp. 57–77, 2013. [25] A. Tandon, M. Goel, and S. Bishnoi, “Consumer Awareness towards Internet Banking : A Comparative Study of Public , Private and Foreign Banks,” Int. J. Hybrid Inf. Technol., vol. 9, no. 6, pp. 77–90, 2016. [26] M. Chinakidzwa, P. Mbengo, and M. Nyatsambo, “Mobile money usage in rural areas of Zimbabwe - case of Mudzi District,” vol. 6, no. 2, pp. 128–132, 2015. [27] N. Jahangir and N. Begum, “The role of perceived usefulness , perceived ease of use , security and privacy , and customer attitude to engender customer adaptation in the context of electronic banking,” vol. 2, no. 1, pp. 32–40, 2008. [28] U. Sekaran and R. Bougie, “Research methods for business,” in Research methods for business, 2013, p. 436. [29] Y. Wang, Y. Chen, and J. Benitez-Amado, “How information technology influences environmental performance: Empirical evidence from China,” Int. J. Inf. Manage., vol. 35, no. 2, pp. 160–170, 2015. [30] G. Yin and B. Yang, “The construction of firm’s IT capability and its impact on IT assimilation: an empirical investigation in China,” Serv. Sci., vol. 2, no. 2, pp. 110–121, 2011. [31] X. Zhao, J. G. Lynch Jr., and Q. Chen, “Reconsidering Baron and Kenny: Myths and Truths about Mediation Analysis,” J. Consum. Res., vol. 37, no. 2, pp. 197–206, 2010. [32] Department of Statistics Malaysia, “Department of Statistics Press Release Ict Use and Access By Individuals and Households Survey Report ,” Kuala Lumpur, 2016. [33] D. Arias-Aranda, “Reasons for information technology adoption and sophistication within manufacturing SMEs,” in POMS 22nd Annual Conference: Operations management: The enabling link, 2011, no. April-May 2011, pp. 1–40. [34] H. Amin, "Internet banking adoption among young intellectuals", The Journal of Internet Banking and Commerce, vol. 12, no. 3, pp. 1-13, 2007. [35] H. Amin, "An analysis of online banking usage intentions: an extension of the technology acceptance model", International Journal of Business and Society, vol. 10, no. 1, pp.27, 2009. [36] R. Scherera, F. Siddiq, J. Tondeurc, "The technology acceptance model (TAM): A meta-analytic structural equation modeling approach to explaining teachers’ adoption of digital technology in education", Computers & Education, vol. 128, pp. 13-35, 2019. [37] E. Ernovianti, N. K. Nik Mat, U. Kassim, R. Rashid, M. S. Meor Shaari, "The Usage of Internet Banking Service among Higher Learning Students in Malaysia", American Journal of Economics, June, special issue, pp. 105-108, 2012. [38] M. T. Jan and A. Haque, "Antecedents of the Use of Online Banking by Students in Malaysia Extended TAM Validated Through SEM", International Business Management, vol. 8, pp. 277-284, 2014.
Toplam 1 adet kaynakça vardır.
Ayrıntılar
| Birincil Dil | İngilizce |
|---|---|
| Bölüm | Makaleler |
| Yazarlar | |
| Yayımlanma Tarihi | 15 Eylül 2019 |
| Gönderilme Tarihi | 13 Ağustos 2019 |
| Yayımlandığı Sayı | Yıl 2019Cilt: 5 Sayı: 14 |
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