Expanding the Technology Acceptance Model to Examine Internet Banking Adoption in Tunisia Country

2013 ◽  
Vol 4 (4) ◽  
pp. 61-81 ◽  
Author(s):  
Wadie Nasri ◽  
Charfeddine Lanouar ◽  
Anis Allagui
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and privacy, self efficacy, social influence, and awareness of services and its benefits have significant effects on the perceived usefulness (PU), perceived ease of use (PEOU) and attitude toward Internet banking acceptance. Age and education have also significant impact on the attitude towards the likelihood of adopting online banking. These findings may provide for banks useful guidelines for developing Internet banking services and for marketing Internet banking.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENERIMAAN NASABAH TERHADAP LAYANAN INTERNET BANKING DENGAN MENGGUNAKAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)

2012 ◽  
Author(s):  
Popi Fauziati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Computer Self Efficacy

This study aims to analyze the factors that affect customer acceptance of internet banking services with the approach Technology Acceptance Model (TAM). The sample in this study is internet banking users in Padang. The sampling technique with purposive sampling method. The total of questionnaire distributed counted 140 and able to be used  118. The study use Structural Equation Modeling (SEM) with AMOS application version 16.0. The results of this study indicated that: (1) personalization have a  significant effect on perceived usefulness. (2) personalization have a  significant effect on perceived ease of use. (3) computer self efficacy doesn’t significant effect on perceived usefulness. (4) computer self efficacy doesn’t significant effect on perceived ease of use. (5) trust doesn’t significant effect on perceived usefulness. (6) trust doesn’t significant effect on perceived ease of use. (7) perceived ease of use doesn’t significant effect on perceived usefulness.

scholarly journals An Essential Review of Internet Banking Services in Developing Countries

e-Finanse ◽  
2019 ◽  
Vol 15 (2) ◽  
pp. 73-86 ◽  
Author(s):  
Yadgar M. Hama Khan
Keyword(s):  
Developing Countries ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Action Theory ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Acceptance Model

AbstractIn the absence of a literature review for an adoption of internet banking in developing countries, this study was conducted to review and summarize the most evaluated articles in the literature. The significance of this work came from three concepts which are to highlight the concepts of research in developing countries, to accentuate the dominant models which have been used effectively in analyzing the constructs in adopting internet banking, and thirdly, to shed some light on the gaps in the potential applications for the system in the future. The Technology Acceptance Model, Theory of Reasoned Action, Theory of Planned Behaviour, Unified Theory of Acceptance and Use of Technology and Self Designed models have been used by most of the researchers in this review with a higher frequency of the Technology Acceptance Model among them. The results from this review are limited to 28 articles which were selected from a total of 110. The sources were from the search engines of Science Direct, Emerald Insight, Growing Science, International Business Information Management Association and Canadian Central of Science and Education and other different types of journal publications. The factors revealed to have important effects on the acceptance and adoption of the system were trust, perceived ease of use, and perceived usefulness, security and privacy and social influences.

scholarly journals The Determinant of Acceptance of SIMDA (Information System of District Management) Implementation on the Government of Batu City

2017 ◽  
Vol 1 (2) ◽  
pp. 298
Author(s):  
Umar Maksum ◽  
Zaki Baridwan ◽  
Imam Subekti
Keyword(s):  
Information System ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Acceptance Model ◽  
Computer Self Efficacy

<p>This study aims to examine the factors influencing the acceptability of SIMDA in the Batu Municipal Government. The research model used the <em>Technology Acceptance Model</em> (TAM), which add external construct from D&amp;M success model of information system and other construct namely the <em>commitment of management</em>, <em>social influence</em> and the Individually influence such as <em>computer self-efficacy</em> and <em>personal innovativenes</em>. This research employed census sampling method. The samples are all official of in financial department who use SIMDA. Results of the research showed that <em>perceived usefulness</em> was affected by <em>management commitment</em>, <em>social influence</em>, <em>information quality, system quality</em>, <em>personal innovativeness</em>, and<em> perceived ease of use</em>. In addition, <em>Computer self-efficacy</em>, and <em>personal innovativeness</em> influenced to <em>perceived ease of use</em>. Furthermore, the <em>acceptance SIMDA</em> was influenced <em>perceived usefulness</em> and <em>perceived ease of use</em>. On the contrary, <em>computer self-efficacy</em> did not affect to <em>perceived usefulness</em><strong></strong></p><p><strong>Keywords: </strong>Technology Acceptance Model (TAM), Acceptance SIMDA, perceived usefulness, perceived ease of use</p>

scholarly journals APLIKASI TECHNOLOGY ACCEPTANCE MODEL (TAM) PADA KOMPUTERISASI KEGIATAN PERTANAHAN

2016 ◽  
Vol 12 (1) ◽  
pp. 13
Author(s):  
Wahyu Prabawati Putri Handayani ◽  
Mugi Harsono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Survey Methodology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Computer Self Efficacy

Abstrak: Aplikasi Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Tujuan penelitian ini adalah untuk menguji dan menganalisis pengaruh Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Sebuah metodologi survey digunakan untuk mengumpulkan data 100 karyawan. Path analysis menunjukkan bahwa (1) Computer self-efficacy berpengaruh pada persepsi kemudahan penggunaan dan persepsi manfaat teknologi, (2) Persepsi kemudahan penggunaan teknologi berpengaruh pada persepsi manfaat dan sikap untuk menggunakan teknologi, (3) Persepsi manfaat teknologi berpengaruh pada sikap dalam menggunakan teknologi, dan (4) Sikap untuk menggunakan teknologi berpengaruh pada niat untuk menggunakan teknologi. Kata kunci: Technology Acceptance Model (TAM), computer self-efficacy, persepsi manfaat teknologi, sikap menggunakan teknologi, niat menggunakan teknologi Abstract: Application of Technology Acceptance Model (TAM) On Computerized Land Activities. The purpose of this study was to examine and analyze the effect of the Technology Acceptance Model (TAM) on computerized land activities. A survey methodology used to collect data of 100 employees. The results indicated that (1) Computer self-efficacy affected the perceived ease of use and usefulness of the technology, (2) the perceived ease of use technology affected of perceived usefulness and attitude towards using technology, (3) the perceived usefulness affected attitude towards using technology, and (4) the attitude to use technology affected intention to use technology. Keywords: Technology Acceptance Model (TAM), computer self-efficacy, perceived usefulness, attitude to use technology, intention to use technology

scholarly journals A Study of The Factors That Influence The Level of Consumer Satisfaction Towards The Use of Internet Banking

2017 ◽  
Vol 3 (2) ◽  
pp. 87
Author(s):  
Vivi Vivi ◽  
Novita Novita
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Consumer Satisfaction ◽  
Sampling Method ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Information And Communication ◽  
Acceptance Model

<p>The development of Information and Communication Technology (ICT) has become an integral part of people’s life today. Various kinds of business and trade transactions have changed along with the advancement of ICT. One of the sectors that are influenced by the development in information and communication technology is banking. The presence of internet banking has brought more conveniences to the customers in conducting banking transactions anytime and anywhere. However, one of the challenges faced by banks in implementing online banking is the security factor. In addition, consumer satisfaction in conducting internet transactions can be influenced by factors of Technology Acceptance Model (TAM). Technology Acceptance Model (TAM) consists of perceived usefulness and perceived ease of use and excellent service from the provider. The purpose of this study is to determine whether security, perceived usefulness, perceived ease of use, and service quality havepositive influence on internet banking consumer satisfaction. Thetype of research is explanatory research type. The research variables consisting of independent variables are security factor, perceived usefulness, perceived ease of use, and service quality; meanwhile dependent variable is internet banking consumer satisfaction. The sampling technique used is accidental sampling method combined with snowball sampling method. Datais collected through questionnaires and interviews. Methods of data analysis used is Multiple Regression Analysis. The result shows that variables of  security, perceived usefulness, perceived ease of use, and service qualitysimultaneously influence internet banking consumer satisfaction. It shows that the four variables positively affect internet banking consumer satisfaction.</p>

PENGGUNAAN TECHNOLOGY ACCEPTANCE MODEL (TAM) DALAM ANALISIS NIAT PERILAKU PENGGUNAAN INTERNET BANKING PADA MAHASISWA UNIVERSITAS TELKOM

2019 ◽  
Vol 3 (2) ◽  
pp. 215-229
Author(s):  
Rafi Irbah Kusumawati ◽  
Brady Rikumahu
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Behavioral Intention To Use

Perkembangan teknologi informasi telah mengubah cara hidup masyarakat. Mereka menginginkan aktivitasnya untuk menjadi lebih cepat, mudah dan aman. Internet banking merupakan salah satu kemajuan teknologi informasi yang digunakan untuk memberikan pelayanan yang lebih baik bagi nasabah, dengan menghubungkan transaksi perbankan dan internet. Tujuan penelitian ini adalah untuk mengetahui pengaruh faktor-faktor pada Technology Acceptance Model (TAM) yaitu perceived ease of use, perceived usefulness, attitude toward use, dan behavioral intention to use layanan internet banking. Penelitian ini menggunakan metode purposive sampling dengan sampel 380 responden di Universitas Telkom. Metode analisis pada penelitian ini adalah Partial Least Square. Hasil dari penelitian ini adalah perceived ease of use berpengaruh positif terhadap perceived usefulness, perceived ease of use berpengaruh positif terhadap attitude toward use, perceived usefulness berpengaruh positif terhadap attitude toward use, perceived usefulness berpengaruh positif terhadap behavioral intention to use, serta attitude toward use berpengaruh positif terhadap behavioral intention to use penggunaan internet banking.

scholarly journals Analisis Pengukuran Model Penerimaan Teknologi OpenSID di Area Rural dan Urban

2019 ◽  
Vol 5 (2) ◽  
pp. 191
Author(s):  
Stanley Karouw ◽  
Benefit Narasiang ◽  
Jane Litouw
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Technology Use ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Penelitian ini bertujuan untuk mengetahui tingkat kepuasan pengguna dan manfaat dari penggunaan OpenSID yang ditujukan kepada perangkat kelurahan. Kerangka kerja yang digunakan dalam penelitian ini yaitu  Technology Acceptance Model sebagai alat untuk mengukur penerimaan kelayakan suatu teknologi. Technology Acceptance Model menggunakan 7 indikator yaitu self efficacy (kemanjuran diri), complexity (kerumitan), lack of time (keterbatasan waktu), perceived usefulness (manfaat yang dirasakan), perceived ease of use (kemudahan pengguna), behavioral intention of use (minat perilaku pengguna), actual technology use (penggunaan teknologi sesungguhnya). Penelitian ini melakukan analisis penerimaan OpenSID di area rural dan di area urban. Untuk area pedesaan maka dilakukan di 8 (delapan) desa yang berada di kecamatan Modoinding, yakni desa Sinisir, desa Makaaroyen, desa Palelon, desa Kakenturan, desa Pinasungkulan, desa Linelean dan desa Wulurmahatus. Untuk area urban, dilakukan di 9 kelurahan yang berada di wilayah kecamatan Amurang Barat dan Amurang; yakni kelurahan Kawangkoan-bawah, kelurahan Rumoong-bawah, kelurahan Buyungon, kelurahan Ranoiapo, kelurahan Uwuran 1, kelurahan Uwuran 2, kelurahan Lewet dan kelurahan Bitung. Hasil pengukuran menunjukkan bahwa perangkat desa dan aparat kelurahan yang pernah menggunakan OpenSID  mengakui bahwa OpenSID dapat membantu aparat untuk mendapatkan informasi yang tepat. Meskipun diakui bahwa OpenSID memberikan manfaat dalam tugas dan pekerjaan, namun membutuhkan waktu yang lama dalam mempelajari OpenSID.Kata kunci— Desa, Kelurahan, OpenSID, Model Penerimaan Teknologi

The Role of Trust and Technology Acceptance Model(TAM) on Customer Acceptance of Mobile Banking

2013 ◽  
Vol 4 (1) ◽  
pp. 31-43 ◽  
Author(s):  
R. K. Srivastava ◽  
Sindhu Singh ◽  
Vivek Srivastava
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Customer Acceptance ◽  
Acceptance Model ◽  
Technology Attributes

This paper studies the need to integrate trust and Technology acceptance model (TAM) to understand the behaviour intention of the customer to use mobile banking. The present study focuses through literature review on trust related antecedents and technology related constructs and its influence on customer decision. It covers disposition to trust, institution-based trust, cognitive-base trust, security and privacy as five potential antecedents of trust. The study concludes that two technology attributes which are perceived ease of use and perceived usefulness to be beneficial for the usage of mobile banking. It suggests an integrated model that incorporates the five trust antecedents and two technology-related antecedents on its influence on customers’ decision to use mobile banking.

scholarly journals Technology Acceptance Model for the Internet Banking Acceptance in Split

2019 ◽  
Vol 10 (2) ◽  
pp. 124-140 ◽  
Author(s):  
Marija Vuković ◽  
Snježana Pivac ◽  
Duje Kundid
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
The City

AbstractBackground: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.

scholarly journals The Influence of Technology Acceptance Model (TAM) on The Users’ Behavior of Sikesya Application in IAIN Surakarta

2016 ◽  
Vol 1 (1) ◽  
pp. 47 ◽  
Author(s):  
Tri Wahyuni
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Other ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
And Behavior

This study aims to evaluate the student acceptance of SIKESYA  (Sharia Financial System/Sikesya) application as the users by using the framework of Technology Acceptance Model (TAM) and its development. The constructs being tested in this research are perceived usefulness, perceived ease of use, experience, social influence, attitute toward behavior, behavioral intention, facilitating condition, and user behaviors. As much as 80 students has been chosen as sample which were determined using purposive sampling method. The data gathered was then analyzed using partial least square (PLS). The result showed that experience did not influence the perceived ease of use, on the other hand perceived usefulness has a positif influence toward users attitude and behavior in using Sikesya, while the perceived ease of use did not influence the users atttitude and  behavior at all, since the students would still use it as it is an application used as part of university services. The attitude and behavior did not influence the behavioral intention, whereas the social influence has a positif effect on behavioral intention, yet the behavioral intention gave positif impact to user’s behavior. On the other hand, facilitating condition has no effect toward users’ behavior. Keywords: Sharia Financial System (SIKESYA), Technology Acceptance Model (TAM), IAIN Surakarta

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