Petrus Francis Guriting (2004) Examining the determinants of internet banking usage intention using the extended technology acceptance model. Doctoral thesis, Universiti Malaysia Sabah.
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Abstract
The rapid increase of Internet usage and the huge funding allotted to electronic banking have drawn the attention of researchers towards Internet banking. In the past, the conventional concentration of Internet banking research has been on technology development, but this is now shifting to user-focused research. Researchers in this field have indicated that potential users may not adopt the systems even if they are available. This shows the need for research to examine the factors that determine usage intention of Internet banking in banking transactions. According to the Technology Acceptance Model (TAM), perceived ease of use and perceived usefulness factors are considered to be fundamental in determining the acceptance and use of various information technology (IT). However, these beliefs may not fully clarify the user's behaviour toward newly emerging IT, such as Internet banking. This study therefore employs the extended technology acceptance model as the theoretical framework where it introduces uperceived credibility" as a new variable that expresses the non-user's concern for security and privacy in Internet banking systems. This research also scrutinises the effect of computer setfefficacy and prior general computing experience on the intention to use Internet banking. Based on a sample of 133 non-users of Internet banking collected through a personally administered questionnaire, the results strongly support the extended TAM in predicting the intention of non-users to adopt Internet banking. The result of the study indicates perceived usefulness and perceived ease of use as strong determinants of behavioural intention to adopt Internet banking, while perceived credibility has no direct relationship with intention. However, perceived credibility has a mediator effect between computer self-efficacy and intention. There is also a significant indirect effect of computer self efficacy on behavioural intention through perceived usefulness, perceived ease of use and perceived credibility. Prior general computing experience only affects behavioural intention indirectly via perceived usefulness. The study shows the appropriateness of TAM in understanding the way of consumers' intention in the adoption of Internet banking.
| Item Type: | Thesis (Doctoral) |
|---|---|
| Keyword: | Internet banking, Electronic banking, Technology Acceptance Model, Extended TAM, Perceived ease of use |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28-9999 Industries. Land use. Labor > HD28-70 Management. Industrial management |
| Department: | SCHOOL > School of Business and Economics |
| Depositing User: | DG MASNIAH AHMAD - |
| Date Deposited: | 29 Sep 2025 11:39 |
| Last Modified: | 29 Sep 2025 11:39 |
| URI: | https://eprints.ums.edu.my/id/eprint/45245 |
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