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MASTER'S THESIS Factors Influencing the Adoption of Internet Banking
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Saleh Salari
Proceedings of 12th International Research Conference, KDU
Danisha De Mel
With the advancement of technology, Internet Banking has paved a way for a new era which is far more ahead of the traditional practices of banking. Earlier the customers had to spend their time and energy to visit the banks. But with the introduction of this new innovated system, the difficulties faced by the customers have been reduced to a greater extent. But still in Sri Lanka, thecustomers are lagging behind the traditional customs rather than shifting to new technologies. Thereby the number of customers who use internet banking is still at the primary stage with a lesser number. Therefore, the purpose of this study is to investigate the factors that affect customers’ intention to adopt internet banking in Sri Lanka. the research. Five point likert scale was used to test the constructs of the variables. In determining customers’ intention towards internet banking, the study analyzed 200 customer opinions using questionnaires. Binary Logistic Regression was applied to test the effect of Attitude, Perceived Behavioral Control (PBC), Perceived usefulness (PU), Perceived Ease Of Use (PEOU) and Perceived Risk (PR) on intention to adopt internet banking. The data was employed into SPSS version 21 and carried out the data analysis. The results showed that intention is significantly influenced by Attitude, PBC and PR relative to other factors considered.Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM) were used in as the framework of
International Journal of Management
Sam El Nemar
The purpose of this research is to examine the factors affecting the adoption of internet banking in Lebanon by using several variables which are taken from three different models, the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and the Theory of Reasoned Action (TRA). These variables are intention, attitude, perceived behavioral control, trust, perceived usefulness, perceived ease of use, subjective norms. The results showed that that attitude has positive and significant impact on intention. Moreover, perceived behavioral has positive and significant impact on intention. Also, subjective norms have positive and significant impact intention. In addition, trust has positive and significant impact on intention, attitude, perceived behavioral control and subjective norms. Furthermore, perceived ease of use has positive and significant on perceived usefulness, trust and attitude. Finally, perceived usefulness has positive and significant impact on attitude and intention.
Oman Chapter of Arabian Journal of Business and Management Review
mohammad hemati
Journal of The Ais
Manish Bansal
American Finance & Banking Review
Muhammad Saman
Internet banking is the latest technology that has revolutionized the changes of banking and business systems around the world. However, arrival of technology has an impact on Internet banking and transforms from a traditional banking system to a very useful innovation technology. The purpose of this study is to analyze factors that have influenced users to use Internet banking in doing financial transaction. This study uses content analysis on the previous literatures. The findings showed that there were 10 main different factors which influence the adoption of internet banking by the users. This study also proved that the highest factors which consist of 2 main factors are generated from technology acceptance model (TAM). Contribution of this research are significantly helps bank to have a better understanding on factors that influence the adoption of internet banking as well as help to develop a strategy to improved internet banking services.
aysha fathima
How to attract customers to use internet banking technology in a country like India, where use of such technologies by the customers in banking services is still moderately slow? Is indeed an enormous task for the service providers to build strategies to promote usage of internet banking. In this study, researcher has tried to identify few predominant factors and their influence on behavioural intention to adopt internet banking technology. This empirical study proposes nine research hypotheses derived from previous other studies made on users of banking technology. A survey was conducted among 319 users of Internet banking and the data was further analyzed using statistical tools. Multiple regression analysis was done to identify the predominantly influencing factors on user acceptance. The results of the study are identified perceived usefulness, trust, perceived credibility and perceived ease of use as the most influential factors for user acceptance of internet banking technolog...
Dhaarshini Balachandran
There continues to be a gap in understanding ofwhat makes an individual reject using Internet banking service. This is the primary research question of this study. So far, very few academic studies have been done on internet banking adoption in Arab countries. Hence, this research aims to investigate factors that influence the behavioral intention to use Internet banking in Yemen. Cross-sectional data were collected from1286 respondents through a survey. Data were then analyzedby structural equation modeling. The findingsverified the research hypotheses and confirmed that perceived ease of use and perceivedusefulness, compatibility and trialabilityall impact attitude toward intentionof adopting Internet banking.
Recently information technology is one of the vital elements in human daily activity supports. One example of information technology measurement is based on the Technology Acceptance Model (TAM), which is an information system that shows how users come to accept and use the technology. Usefulness and Ease of Use are the main reasons that would predispose a person to use such technology. The TAM is also applied to the use of Internet Banking, but there are some more factors that will affect the Behavior Intention in using the Internet Banking including Risk and Trust. The aim of this study is to prove the hypothesis of the variables that affect the Behavior Intention. Research variables were measured using a questionnaire that is processed with SPSS software. The results showed that the four variables studied positive influence on Behavior Intention in the use of Internet Banking. Keywords: Internet banking; Usefulness; Ease of use; Risk; Trust; Behavior intention.
Journal of Applied Social Psychology
Shumaila Yousafzai
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to mobile banking technology, online service, and payment technology (Korn, Miller, Polsky, 2016). The push for these technologies is driven by the customer's desire to access banking services remotely from anywhere. While it may sound like FinTech and traditional banks are a perfect match, there are some pitfalls and risks involved with
Online banking , also known as internet banking, e-banking or virtual banking, is. an electronic payment system that enables customers of a bank or other financial institution to. conduct a range ...
for adoption of online banking generally would come after two or three years. In the literature review we will present the studies that provide theoretical and empirical analysis relating our study. After the third decade of the first online banking users in the USA, major studies followed policy implications, rules, laws and banks types.
The rapid expansion of Electronic banking Systems throughout the world, forces the banking industry to implement and improve E-Banking Service qualities. E-banking is one of the most recent phenomenon in the financial services organizations. This method was established in the mid-1990s, there after it becomes more important (Allen L &Rai, 1996).
In this study have participated 32 (34,4%) individuals within age. 18-24 age group; 50 (53,76%) of participants are from 25 to 34 years old women. and man; 9 (9,7%) questionnaires have been fulfilled by individuals in 35-44 age. group; only two participants (2,15%) happen to be elder people in age from 45 to. 54.
The aim of this thesis is to contribute to this growing area of research by developing a theoretical model based on the Elaboration Likelihood Model for trust in mobile banking, which could significantly extend the reliability and validity of the previous research. The result of the current research is important for mobile banking managers.
Purpose: This literature review was conducted with the purpose of highlighting the Barriers and. challenges of banking with respect to customers` perspective. Methodology :This narrative ...
The study investigates the challenges, technology, and future research agenda of digital banking. The paper follows the manifestation of Kitchenham's SLR protocol. Six databases were used to ...
Master's Thesis TRUST IN ONLINE FINANCIAL SERVICES: A RESEARCH OF TRUST FORMATION IN FINANCIAL FIRMS IN THE DIGITAL ERA ... before, during and after the financial crisis together with an increase in online banking makes the underpinning motivation for the authors to research trust in financial services. 1.3 Problem Identification ...
In the instance of this thesis, mobile banking includes online websites, mobile apps, and SMS banking channels. The timeframe from the introduction of mobile banking and its growth thereafter to the current time or as data is available is the evaluation period. I explore what products or services are offered, why it appeals to
2.7.2 Trust and TAM in the online context 50 2.8 Critical Assessment of TAM studies 51 2.9 Conclusions 53 CHAPTER THREE: Conceptual Framework 3.1 Introduction 55 3.2 Model development and research hypotheses 55 3.3 Dependent variable - behavioural intentions 58 3.4 Factors affecting online banking information system acceptance 58
banking services, and some bank employees may lose their jobs due to automation. The paper also explores the factors that could support banks' digital advancement. A cross-country comparison shows a global digital divide: banks' digital services are more widely used in high-income economies, while middle- and low-income countries experience
The work of Liao et al.33 studies online banking adoption through variables such as; ease of use, image, comparative advantage, compatibility, willingness, and the opportunity to try it. In a similar context, for Tan and Teo34 the intention to use online banking depends on attitude, behavior control, and existing subjective norms.
This study reviewed research articles on internet banking published during. a span of 15 years (2002 to 2016). The review adopted a multidisciplinary. approach, examining literature on internet ...
2011). This thesis aims to contribute to the theory by examining the adoption of online banking in the banking industry. This thesis is a part of a collaboration with Íslandsbanki and it will focus only on online banking as there is currently a M.Sc. thesis examining mobile banking. This thesis will seek to answer the following research questions:
The management has to take effective measures to further enhance the security and safety of online bank accounts, so that customers can maintain long-term relationships with the usage of online banking. Online banks have to provide more reliable services to the customers at heart to make the customers more comfortable and confident.
Brac Bank Insures your deposits made through online banking. 2. You feel safe in the online transaction with Brac Bank. 3. The function of the internet banking transaction is easy to operate and you rely on it. 4. Brac Bank will not misuse your information given while doing online/internet banking transaction. 5.
Abstract and Figures. The aim of this dissertation is to understand the challenges that open banking brought to the financial services industry in terms of business model adaptation. The concept ...
Online Banking Thesis PDF - Free download as PDF File (.pdf), Text File (.txt) or read online for free. Scribd is the world's largest social reading and publishing site.
However, arrival of technology has an impact on Internet banking and transforms from a traditional banking system to a very useful innovation technology. The purpose of this study is to analyze factors that have influenced users to use Internet banking in doing financial transaction. This study uses content analysis on the previous literatures.
3 Impacts of Digitalization on Banks and Banking 39. content by users. Digital banks now communicate with customers via blogs and 212. receive feedback in this way. For instance, ICICI in India ...
Online Banking Thesis - Free download as PDF File (.pdf), Text File (.txt) or read online for free. online banking thesis
e ISSN 1303-5150. 405. A Review of Cyber Security Issues in Online Banking. and Online Transactions. Dr.Bhupali shah. Asst.Prof, Pratibha Institute of Business Management Pun e, Maharashtra. ORCID ...