Adoption and usage of Internet Banking “A Technological Perspective

Apart from the traditional type of banking services, customers today require more personalised products and services, and able to access such services at any time and at any place. Although it is not essential for banks to stay competitive, Internet banking is one of the advanced information technologies they can be employed to achieve a high level of customer services. This study explores the factors influencing the adoption and usage of Internet banking in technological perspective. The research commonly uses applied and empirically supported models of information technology adoption to achieve the objective. In this study technology acceptance model (TAM) is extended by two external variables, namely risk and self efficacy. Data were collected using a survey on banking customers in a state area in Malaysia and analysed using hypotheses testing model variables. The results reveal that perceived usefulness, perceived ease of use, and self efficacy have a significant association with intention to use Internet banking. The results of this study also indicate that extended TAM model have low capabilities in explaining the variances in “users' intention to adopt or use Internet banking services.

在传统银行服务类型之外，当今的客户需求更加个性化的产品与服务，并能够随时随地获取此类服务。尽管银行保持竞争优势并非必要条件，但网络银行作为一项高级信息技术，其应用有助于实现高水平的客户服务。本研究从技术角度探讨了影响网络银行采纳与使用因素。研究普遍采用应用型及经验支持的信息技术采纳模型以实现研究目标。在本研究中，技术接受模型（TAM）通过引入两个外部变量，即风险与自我效能感进行扩展。数据通过在马来西亚某一州区域对银行客户的调查收集，并使用假设检验模型变量进行分析。结果表明，感知有用性、感知易用性以及自我效能感与使用网络银行的意向存在显著关联。本研究的结果亦表明，扩展后的TAM模型在解释“用户采纳或使用网络银行服务意向”的方差方面能力有限。