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Article: An empirical investigation of the determinants of user acceptance of Internet banking

TitleAn empirical investigation of the determinants of user acceptance of Internet banking
Authors
KeywordsAccessibility
Alliance services
Internet banking services
Personalization
Task familiarity
Technology acceptance
Issue Date2003
PublisherLawrence Erlbaum Associates, Inc. The Journal's web site is located at http://www.leaonline.com/loi/joce
Citation
Journal Of Organizational Computing And Electronic Commerce, 2003, v. 13 n. 2, p. 123-145 How to Cite?
AbstractThe growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of customers in adopting the service. Based on Davis's technology acceptance model with 4 additional variables that are theoretically justified as having influence on perceived usefulness and perceived ease of use, a research model for the investigated technology acceptance was developed and empirically examined, using responses from more than 160 intended users of the technology. Results of the data analysis generally support the model as well as 7 of 8 of the proposed hypotheses. In particular, personalization, alliance services, task familiarity, and accessibility were found to have significant influence on perceived usefulness and perceived ease of use, which, in turn, were found to be important factors in fostering a positive attitude toward accepting the services. Several implications for both research and practice have emerged and are discussed.
Persistent Identifierhttp://hdl.handle.net/10722/43542
ISSN
2015 Impact Factor: 0.944
2015 SCImago Journal Rankings: 0.440
ISI Accession Number ID
References

 

DC FieldValueLanguage
dc.contributor.authorChau, PYKen_HK
dc.contributor.authorLai, VSKen_HK
dc.date.accessioned2007-03-23T04:48:27Z-
dc.date.available2007-03-23T04:48:27Z-
dc.date.issued2003en_HK
dc.identifier.citationJournal Of Organizational Computing And Electronic Commerce, 2003, v. 13 n. 2, p. 123-145en_HK
dc.identifier.issn1091-9392en_HK
dc.identifier.urihttp://hdl.handle.net/10722/43542-
dc.description.abstractThe growth in the use of the Internet as a distribution channel of products and services offered by various businesses has been phenomenal. One such application is Internet banking services. As more and more financial institutions are finding ways to utilize Internet technologies to launch Internet banking services, an important issue is to understand what factors will impact the decisions of customers in adopting the service. Based on Davis's technology acceptance model with 4 additional variables that are theoretically justified as having influence on perceived usefulness and perceived ease of use, a research model for the investigated technology acceptance was developed and empirically examined, using responses from more than 160 intended users of the technology. Results of the data analysis generally support the model as well as 7 of 8 of the proposed hypotheses. In particular, personalization, alliance services, task familiarity, and accessibility were found to have significant influence on perceived usefulness and perceived ease of use, which, in turn, were found to be important factors in fostering a positive attitude toward accepting the services. Several implications for both research and practice have emerged and are discussed.en_HK
dc.format.extent111159 bytes-
dc.format.extent26112 bytes-
dc.format.mimetypeapplication/pdf-
dc.format.mimetypeapplication/msword-
dc.languageengen_HK
dc.publisherLawrence Erlbaum Associates, Inc. The Journal's web site is located at http://www.leaonline.com/loi/joceen_HK
dc.relation.ispartofJournal of Organizational Computing and Electronic Commerceen_HK
dc.rightsCreative Commons: Attribution 3.0 Hong Kong License-
dc.subjectAccessibilityen_HK
dc.subjectAlliance servicesen_HK
dc.subjectInternet banking servicesen_HK
dc.subjectPersonalizationen_HK
dc.subjectTask familiarityen_HK
dc.subjectTechnology acceptanceen_HK
dc.titleAn empirical investigation of the determinants of user acceptance of Internet bankingen_HK
dc.typeArticleen_HK
dc.identifier.openurlhttp://library.hku.hk:4550/resserv?sid=HKU:IR&issn=1091-9392&volume=13&issue=2&spage=123&epage=145&date=2003&atitle=An+Empirical+Investigation+of+the+Determinants+of+User+Acceptance+of+Internet+Bankingen_HK
dc.identifier.emailChau, PYK: pykchau@hkucc.hku.hken_HK
dc.identifier.authorityChau, PYK=rp01052en_HK
dc.description.naturepublished_or_final_versionen_HK
dc.identifier.doi10.1207/S15327744JOCE1302_3en_HK
dc.identifier.scopuseid_2-s2.0-0042762675en_HK
dc.identifier.hkuros81747-
dc.relation.referenceshttp://www.scopus.com/mlt/select.url?eid=2-s2.0-0042762675&selection=ref&src=s&origin=recordpageen_HK
dc.identifier.volume13en_HK
dc.identifier.issue2en_HK
dc.identifier.spage123en_HK
dc.identifier.epage145en_HK
dc.identifier.isiWOS:000183071800003-
dc.publisher.placeUnited Statesen_HK
dc.identifier.scopusauthoridChau, PYK=7102267201en_HK
dc.identifier.scopusauthoridLai, VSK=44361805400en_HK
dc.identifier.citeulike3908940-

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