Share This Article:

The Adoption of the E-Banking: Validation of the Technology Acceptance Model

Abstract Full-Text HTML Download Download as PDF (Size:96KB) PP. 197-203
DOI: 10.4236/ti.2013.43023    4,369 Downloads   7,033 Views   Citations

ABSTRACT

This paper is based on the technology acceptance model which has been adopted by several previous researches. The purpose of the study is to determine the factors that explain the adoption of e-banking by professional in “Business to Business” relationships. It explores the determinants of use of the Internet in the relationship between bank and firm and it validates the model in Tunisian context. This paper has tested that perceived usefulness and perceived ease determine the attitude of the use, and that attitude determines the intent to use of e-banking by means of the multiple regressions. The originality of this study is the exploration of the determinants of use of e-banking by professional in order to promote its adoption.

Conflicts of Interest

The authors declare no conflicts of interest.

Cite this paper

R. Raida and B. Néji, "The Adoption of the E-Banking: Validation of the Technology Acceptance Model," Technology and Investment, Vol. 4 No. 3, 2013, pp. 197-203. doi: 10.4236/ti.2013.43023.

References

[1] M. Igabria, G. B. Davis and T. Guimaras, “Testing the Determinants of Microcomputer Usage via Structural Equation,” Journal of Management Information System, Vol. 11, No. 4, 1995, pp. 9-30.
[2] M. C. Cheung and C. Chang, “Perceptual Factors Underlying User Preferences toward Product Form of Mobile Phones,” Industrial Ergonomics, Vol. 27, No. 4, 2001, pp. 247-258.
[3] F. D. Davis, R. P. Bagozzi and P. R. Warshaw, “User Acceptance a Computer Technology: A Comparison of Two Theoretical Models,” Management Science, Vol. 35, No. 8, 1989, pp. 982-1003.
[4] K. Mathieson, “Predicting User Intentions Comparing the Technology Acceptance Model with the Theory of Planned Behavior,” Information Systems Research, Vol. 2, No. 3, 1991, pp. 173-191.
[5] S. Taylor and P. A. Todd, “Understanding Information Technology Usage: A Test of Competing Models,” Information System Research, Vol. 6, No. 2, 1995, pp. 144176.
[6] D. Phuangthon and S. Malisawan, “A Study of Behavioral Intention for 3G Mobile Internet Technology: Preliminary Research on Mobile Learning,” A Proceedings of the 2nd International Conference on E-Learning for Knowledge-Based Society, Bankok, 4-7 August 2005.
[7] I. Ajzen and M. Fishbein, “Understanding Attitudes and Predicting Behavior,” Prentice Hall Inc., Upper Saddle River, 1980.
[8] I. Zaoui and A. E. Akremi, “L’intention D’achat du Consommateur sur Internet: Déterminants et Role Modérateur de la Confiance, cas du site Marchand du Magasin Général,” The 8th AIM Conférence, Grenoble, May 2003.
[9] D. Harker and Van Akkeren, “Mobile Data Technologies and SME Adoption and Diffusion: An Empirical Study on Barriers and Facilitators,” The Australian Journal of Information Systems, Vol. 9, No. 2, 2002, pp. 3-16.
[10] D. Francois and S. P. Antoin, “Une Analyse des Déterminants de L’acceptation de la Messagerie Electronique par des Personnels Administratifs à L’université,” Système d’Information et Management, Vol. 7, No. 4, 2002, p. 127.
[11] V. Venkatesh and F. D. Davis, “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Studies,” Management Science, Vol. 46, No. 2, 2000, pp. 186-204.
[12] G. C. Bruner and A. Kumar, “Explaining Consumer Acceptance of Handheld Internet Devices,” Journal of Business Research, Vol. 58, No. 5, 2005, pp. 553-280.
[13] Y. Foxalle and Pallister, “Technology Acceptance: A Meta Analysis of the TAM,” Journal of Modeling in Management, Vol. 2, No. 3, 2007, pp. 251-280.
[14] D. Gefen, “E-Commerce: The Role of Familiarity and Trust,” Omega, Vol. 28, No. 6, 2000, pp. 725-737.
[15] D. R. Adams, R. N. Peter and A. Tod, “Perceived Usefulness, Ease of Use and Usage of Information Technology: A Replication,” Management Information System Quarterly, Vol. 16, No. 2, 1992, pp. 227-247.
[16] R. P. Bagozzi and R. Warshaw, “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models,” Management Science, Vol. 35, No. 8, 1989, pp. 982-1003.
[17] A. L. Ledrer, D. J. Maupin, M. P. Sena and Y. Zhuang, “The Role of Ease of Use, Usefulness and Attitude in the Prediction of World Wide Web Usage,” CRP, 1998.
[18] E. Huang, “The Acceptance of Women-Centric Websites,” The Journal of Computer Information Systems, Vol. 45, No. 4, 2005, pp. 75-83.
[19] A. K. Gyampah and F. Salam, “An Extension of Technology Acceptance Model in an ERP Implementation Environment, Information and Management, Vol. 41, No. 6, 2004, pp. 731-745.
[20] P. Y. K. Chau and P. Hu, “Investigating Health Care Professionals Decisions to Accept Telemedicine Technology: An Empirical Test of Competing Theories,” Information and Management, Vol. 39, No. 4, 2004, pp. 297-311.
[21] S. S. Liaw and H. M. Huang, “An Investigation of User Attitudes toward Search Engines as an Information Retrieval Tool,” Computers in Human Behavior, Vol. 19, No. 6, 2003, pp. 751-765.
[22] F. Lin and J. Wu, “An Empirical Study of End-User Computing Acceptance Factors in Small and Medium Enterprises in Taiwan: Analyzed by Structural Equation Modeling,” Journal of Computer Information Systems, Vol. 44, No. 3, 2004, pp. 98-108.
[23] N. Ndubisi, R. Supinah and P. Gurting, “The Extend Technology Acceptance Model and Internet Banking Usage Intention,” International Logistics Congress Proceeding, Turkey, December 2004.
[24] P. J. Legris and P. C. Ingham, “Why Do People Use Information Technology, A Critical Review of the Technology Acceptance Model,” Information and Management, Vol. 40, No. 3, 2003, pp. 191-204.
[25] L. Moez and F. Selma, “Les Déterminants de L’achat sur Internet: Revue de la Littérature et Proposition de Modèle,” 2004. www.iae.univ-nantes.fr/emarket/emarket
[26] J. R. Leroy Robinson, W. Greg Marshall and M. B. Stamps, “Sales Force Use of Technology: Antecedents to Technology Acceptance,” Journal of Business Research, Vol. 58, No. 12, 2005, pp. 1623-1631.
[27] C. E. Porter and N. Donthu, “Using the Technology Acceptance Model to Explain How Attitudes Determine Internet Usage: The Role of Perceived Access Barriers and Demographics,” Science Direct, Journal of Business Rerearch, Vol. 59, No. 9, 2006, pp. 999-1007.
[28] J. A. DeVito, “Les Fondements de la Communication Humaine,” Edition Gaétan Morin, 1993.
[29] C. Dussart, “Comportement du Consommateur et Stratégie de Marketing,” McGraw Hill, New York, 1983, p. 77.
[30] M. Rogers, “Diffusion of Innovations,” 4th Edition, The Free Press, New York, 1995.
[31] G. C. Moore and I. Benbasat, “Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation,” Information Systems Research, Vol. 2, No. 3, 1991, pp. 192-222.
[32] T. Hill, N. D. Smith and M. F. Mann, “Role of Efficacy Expectations in Predicting the Decision to Use Advanced Technologies: The Case of Computers,” Journal of Applied Psychology, Vol. 72, No. 2, 1987, pp. 307-313.
[33] E. Karahanna and D. W. Straub, “The Psychological Origins of Perceived Usefulness and Ease of Use,” Information and Management, Vol. 35, No. 4, pp. 237-250.
[34] I. Ajzen, “From Intentions to Actions: A Theory of Planned Behavior, Action Control: From Cognition to Behavior,” New York, 1985.
[35] J. Katz, “Motives, Hurdles and Droputs,” Communications of the ACM, Vol. 40, No. 4, 1997, pp. 97-102.
[36] P. Don and R. Martha, “Le One to One: Valoriser Votre Capital Client,” Les Editions d’Organisation, 1998.
[37] P. Gerrad and J. B. Cunningham, “The Diffusion of Internet Banking among Singapore Consumers,” International Journal of Bank Marketing, Vol. 21, No. 1, 2003, pp. 16-28. doi:10.1108/02652320310457776
[38] T. M. Qureshi, M. K. Zafar and M. B. Khan, “Customer Acceptance of Online Banking in Developing Economies,” Journal of Internet Banking and Commerce, Vol. 13, No. 1, 2008, p. 1. www.arraydev.com/commerce/jibc/
[39] M. L. Matthew, A. L. Ostrom, R. I. Roundtree and M. J. Bitner, “Self-Service Technologies: Understanding Customer Satisfaction with Technology-Based Service Encounters,” Journal of Marketing, Vol. 64, No. 3, 2000, pp. 50-64. doi:10.1509/jmkg.64.3.50.18024
[40] A. K. Au and P. Enderwick, “A Cognitive Model on Attitude toward Technology Adoption,” Vol. 15, No. 4, 2000, pp. 266-282.
[41] L. D. Chen, M. L. Gillenson and D. L. Sherrel, “Enticing Online Consumers: An Extended Technology Acceptance Perspective,” Information Management, Vol. 39, No. 8, 2002, pp. 705-719. doi:10.1016/S0378-7206(01)00127-6
[42] L. Moez, M. Khalifa and A. Frini “What Makes Consumers Buy from Internet? A Longitudinal Study of Online Shopping,” IEEE Transaction on Systems, Man and Cybermetics, Vol. 30, No. 4, 2000, pp. 421-432. doi:10.1109/3468.852436
[43] N. C. Goodwin, “Functionality and Usability,” Communication of the ACM, Vol. 30, No. 3, 1987, pp. 229-233.
[44] P. Y. K. Chau, “An Empirical Assessment of a Modified Technology Acceptance Model,” Journal Management Information Systems, Vol. 13, No. 2, 1996, pp. 185-204.
[45] A. L. Ledrer, D. J. Maupin, M. P. Sena and Y. Zhuang, “The Technology Acceptance Model and the World Wide Web,” Decision Support Systems, Vol. 29, No. 3, 2000, pp. 269-282. doi:10.1016/S0167-9236(00)00076-2
[46] M. Bendana and F. Rowe, “Du Minitel à l’Internet: Perception du Risque et Transition Chez les Internautes Utilisateurs des Services Bancaires,” Annales des Télécommunications, Vol. 58, No. 1-2, 2003, pp. 197-211.
[47] A. H. Eagly and S, Chaiken, “The Psychology of the Attitudes,” Harcourt Brace College Publishers, New York, 1993.
[48] J. A. Howard, “Consumer Behavior in Marketing Strategy,” Prentice Hall, Englewood Cliffs, 1989.
[49] Q. Chen and W. D. Wells, “Attitude toward the Site,” Journal of Advertising Research, Vol. 39, No. 5, 1999, pp. 27-37.
[50] C. Amel, “Implantation d’un ERP (Entreprise Ressource Planning): Antécédents et Conséquence,” XVème Conférence Internationale de Management Stratégique, Annecy/ Genéve, 13-16 June 2006.
[51] S. Debbabi, S. Baile and M. Daassi, “La Fidélité à un Site Marchand: Les Déterminants et le Role Médiateur de la Confiance et de la Satisfaction,” Actes du Colloque Cyber-Gestion, Montpellier, 2003.
[52] A. O’cass and T. Frenech, “Web Retailing Adoption: Exploring the Nature of Internet Users Web Retailing Behavior,” Journal of Retailing and Consumer Services, Vol. 10, No. 2, 2003, pp. 81-94. doi:10.1016/S0969-6989(02)00004-8
[53] C. Ranganathan and S. Garrapathy, “Key Dimensions of Business to Consumer Web Sites,” Information and Management, Vol. 39, No. 6, 2002, pp. 457-465. doi:10.1016/S0378-7206(01)00112-4
[54] G. Alexander, “La Notion de Confiance et le Droit du Commerce Electronique,” LX Electronica, Vol. 12, No. 3, 2008, pp. 1-20.
[55] T. L. Childers, J. Peck and S. Cason, “Hedonic and Utilitarian Motivations for Online Retail Shopping Behavior,” Journal of Retailing, Vol. 77, No. 4, 2001, pp. 511-535. doi:10.1016/S0022-4359(01)00056-2
[56] P. A. Dabholkar, “Consumer Evaluation of New Technology-Based Self Service Options: An Investigation of Alternative Models of Service Quality,” International Journal of Research in Marketing, Vol. 13, No. 1, 1996, pp. 29-51. doi:10.1016/0167-8116(95)00027-5
[57] M. Weiss, “Bricks to Clicks: What Drives Customer Use of the Internet in a Multi-Channel Environment,” Working Papers, 2000.
[58] M. S. Sohail and B. Shanmugham “E-Banking and Customer Preferences in Malaysia: An Empirical Investigation,” Information Sciences, Vol. 150, No. 3-4, 2003, pp. 207-217. doi:10.1016/S0020-0255(02)00378-X
[59] N. K. Malhotra and J. D. McCort, “A Cross-Cultural Comparison of Behavioral Intention Models: Theoretical Consideration and an Empirical Investigation,” International Marketing Review, Vol. 18, No. 3, 2001, pp. 235269. doi:10.1108/02651330110396505
[60] R. L. Thompson, C. A. Higgins and J. M. Howell, “Personal Computing: Toward a Conceptual Model of Utilization,” Management Information System, Vol. 15, No. 1, 1991, pp. 125-143. doi:10.2307/249443
[61] J. M. Pearson and Md N. Khalil, “The Influence of Trust on Internet Banking Acceptance,” Journal of Internet Banking and Commerce, Vol. 12, No. 2, 2007, 10 p. www.arraydev.com/commerce/jibc/
[62] R. P. Bagozzi, “Attitudes, Intentions and Behavior: A Test of Some Key Hypotheses,” Journal of Personality and Social Psychology, Vol. 41, No. 4, 1981, pp. 607627. doi:10.1037/0022-3514.41.4.607
[63] C. Derbaix and J. Bree, “Comportement du Consommateur, Présentation des Textes Choisis,” Edition Economica, Paris, 2000.
[64] J. V. Petrof, “Comportement du Consommateur et Marketing,” Les Presses de l’Université Laval, Quebec City, 1998.
[65] Al A. Samer, “La Crédibilité Percue Comme Facteur Explicatif du Comportement des Internautes,” Journée du e-Marketing, Université de Nantes, Nantes, 2004.
[66] J. H. Zhu and H. Zhou, “Diffusion, Use and Impact of the Internet in Hong Kong: A Chain Process Model,” Journal of Computer Mediated Communication, Vol. 7, No. 2, 2002. www;Ascusc.org/jcmc/vol7/issue2/hongkong.html
[67] D. J. Atkin, L. W. Jeffres and K. A. Neuendorf, “Understanding Internet Adoption as Telecommunications Behavior,” Journal of Broadcasting and Electronic Media, Vol. 42, No. 4, 1998, pp. 475-409. doi:10.1080/08838159809364463
[68] J. Moon and Y. Kim, “Extending the Tam for a Word Wide Web Context,” Information and Management, Vol. 38, No. 4, 2001, pp. 217-230. doi:10.1016/S0378-7206(00)00061-6

  
comments powered by Disqus

Copyright © 2019 by authors and Scientific Research Publishing Inc.

Creative Commons License

This work and the related PDF file are licensed under a Creative Commons Attribution 4.0 International License.