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Gefen, D. (2002) Reflections on the Dimensions of Trust and Trustworthiness among Online Consumers. ACM SIGMIS Database, 33, 38-53.

has been cited by the following article:

  • TITLE: Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia

    AUTHORS: Bruce Mwiya, Felix Chikumbi, Chanda Shikaputo, Edna Kabala, Bernadette Kaulung’ombe, Beenzu Siachinji

    KEYWORDS: E-Banking, Adoption, Intention, Attitudes, Modified TAM

    JOURNAL NAME: American Journal of Industrial and Business Management, Vol.7 No.6, June 14, 2017

    ABSTRACT: This paper contributes to the electronic banking (e-banking) literature by applying the modified Technology Acceptance Model (TAM) in an under-researched Zambian context. Specifically, it examines the influence of e-banking technology’s perceived usefulness, perceived ease of use and trust (safety and credibility) on e-banking adoption. Based on a quantitative correlational design, primary sample data were collected from 222 bank customers from two of Zambia’s largest cities. The findings indicate that the modified TAM model is applicable in the Zambian context and that perceived usefulness, ease of use and trust each significantly positively influences attitude to e-banking. In turn attitudes to e-banking influence intention and actual adoption of e-banking services. For scholars, practitioners and policy makers, the study shows that improving perceptions of trust (safety, security and credibility), usefulness and ease of use of e-banking systems would result in increased adoption. This paper is the first to extend the modified TAM model into the under-researched developing country context of e-banking in Zambia.