E-Banking Adoption Analysis Using Technologyacceptance Model (Tam): Empirical Study of Bankcustomers in Bekasi City (original) (raw)
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In this era of Modernization the information technology has transformed various aspects of our life. The world is rapidly entering into the „Net age‟. The introduction of information technology has facilitated the emergence of E-Commerce. Information technology is playing an active role in all the sectors whether it is corporate sector, banking sector or service sector. With the emergence of information technology in the banking sector it has given rise to many E-Banking products and services. E-Banking products are of recent origin as compared to other countries. The present paper is focused on customers‟ perception and acceptance E-Banking services in Kangra district of Himachal Pradesh. In the present paper descriptive research design is used and primary data is collected through questionnaires from 100 respondents. Various tools and techniques like Weighted Arithmetic mean, Standard deviation, Skewness, and Chi-square are used for the data analysis. This paper reveals that except debit card and credit card almost all the e-banking products and services like cash deposit machine, passbook printing machine, mobile banking and internet banking are being used since 1-2 years by majority of the respondents, further among all the problems of e-banking, risk of privacy and security are still the biggest problems that are hindering the acceptance of e-banking products and service.
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The object of this research is customers on the five major banks in the city of Bekasi namely Bank Mandiri, BCA, BRI, Bank Danamon, and BNI. This study aimed to analyze the implementation of electronic banking (e-banking) with the approach of Technology Acceptance Model (TAM). The research method is a survey method with a descriptive analysis and statistical analysis. The data is processed and analyzed by multiple linear regression statistical models using statistical software. The results of this study indicate that the person's ability to use computers, and interface design does not significantly influence perceived ease of use (PEOU). Experience of computer use, relevance, security and privacy significantly influence the perceived ease of use. Relevance does not significantly influence the perception of its usefulness (PU). Interface design, and perceived ease of use significantly influence the perception of its usefulness. Perceived ease of use significantly influences the attitude of its use. Perception of usefulness does not significantly influence the attitude of its use. Attitude for its use significantly influence the real usage and acceptance of e-banking.
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The study endeavors to analyze the factors driving the adoption and application of Internet-based bank services in the Sudan with a special emphasis on e-banking. Utilizing TAM's structure, this research explains the usage of customers on the internet banking world by focusing on these features: utility, user-friendliness, trust management, and cultural considerations. It was revealed that, although security and reliability remain one of the most significant concerns in banking, end users are also looking for a bank with good design, enjoyable features and which is socially ideal. The study highlights the increasing popularity of mobile transaction services in emerging markets, highlighting the need for better understanding of user behavior and optimizing their usefulness and establishment in Sudan
Banking is one industris that is currently growing rapidly. With the development of information technology, it will create such a great opportunity for the financial service providers in this industry. This opportunity can be used to further expand its business towards information technology. One of the banking products based on information technology today is internet banking. According to Shih and Fang (2006) internet banking is a new type of information system that uses emerging techniques, such as the Internet and th e World Wide Web, and has changed the way consumers do various financial activities in a virtual space. The purpose of the study is to determine the characteristics of internet banking users and to know the factors that influence the survey user of internet banking. It is expected that this research will broaden the knowledge of the long-term information technology. This will make information technology, such as internet banking, can be used, not only in industry banking, but various commercial and non-commercial brand business. The research method used in this study is non probability sampling on several big cities in Indonesia. The data processing analysis is using multiple regression with SPSS 20.00 software. The results of this data processing will be conducted wih an in-depth discussion on the characteristics of internet banking users and the factors that affect the use of internet banking in Indonesia. The results of this study are divided into two parts. First, the results of qualitative research successfully strengthens the research model. The variables of perceived usefulness, perceived ease of use, perceived credibility, compatibility, personal innovativeness, and social influence do affect the interest in using internet banking, in in the end, the real utilization in using the internet banking. In addition, using quantitative research successfully generated indicators for each valid and reliable variables, namely 3 indicators from actual usage, 4 indicators from behavioral intention, 6 indicators from perceived usefulness, 6 indicators from perceived ease of use, 4 indicators from perceived credibility, 4 indicators from compatibility, 3 indicators from personal innovativeness, and 4 indicators from social influence.
The Adoption of the E-Banking: Validation of the Technology Acceptance Model
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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.
Immense usage of internet and enormous penetration of smart phones provide opportunity for banks to develop technology based banking system. Banks are settled about it and allocating high percent of budget to develop net banking service. However the lower adoption rate of net banking is being the area in which extensive research is required. Taking this into consideration and prior research in technology acceptance with respect to adoption of net-banking and in order to understand and validate the existing theories related to factors affecting individuals for use of net-banking facilities. The proposed model is based on TAM, to study student's behavioural intention to use net banking by employing perceived ease of use, perceived usefulness and attitude as original determinants with extended determinants which include trust, social influence, perceived risk and perceived self-efficacy.