IDEAS home Printed from https://ideas.repec.org/a/spr/infotm/v18y2017i4d10.1007_s10799-016-0270-8.html
   My bibliography  Save this article

Customers perspectives on adoption of cloud computing in banking sector

Author

Listed:
  • Shahla Asadi

    (Universiti Teknologi Malaysia)

  • Mehrbakhsh Nilashi

    (Universiti Teknologi Malaysia
    Islamic Azad University)

  • Abd Razak Che Husin

    (Universiti Teknologi Malaysia)

  • Elaheh Yadegaridehkordi

    (Universiti Teknologi Malaysia)

Abstract

The advent of cloud computing has transformed the role of the Internet in many businesses and organizations. Currently, banks are increasingly adopting cloud technologies to fulfil their varied purposes and to create a flexible and agile banking environment that can quickly respond to new business needs. However, past studies tend to focus more on the adoption issues of cloud computing from the organizational perspective with little attention paid on the users’ view of these cloud-based services. Therefore, this paper attempts to investigate the factors influencing cloud computing adoption in the banking sector from the customers’ perspective and to propose an adoption model for this purpose. The model is mainly developed based on the TAM-diffusion theory model (TAM-DTM) with the introduction of three new constructs namely trust, cost, and security and privacy. Questionnaires were randomly distributed to 162 bank customers in Malaysia. Survey data were analyzed using the partial least squares (PLS) method while SmartPLS was used to test the hypotheses and to validate the proposed model. The results suggest that trust, cost, and security and privacy can be successfully integrated within the TAM-TDM. The security and privacy constructs exhibited strong positive influence on perceived ease of use, perceived usefulness, and trust. The study concludes that perceived usefulness, perceived ease of use, cost, attitudes toward cloud and trust significantly influence users’ behavioral intention to adopt cloud computing. Thus, the finding of this study will enable banks to focus more on customer perspectives on cloud-based applications and identify their attitude towards their adoption.

Suggested Citation

  • Shahla Asadi & Mehrbakhsh Nilashi & Abd Razak Che Husin & Elaheh Yadegaridehkordi, 2017. "Customers perspectives on adoption of cloud computing in banking sector," Information Technology and Management, Springer, vol. 18(4), pages 305-330, December.
    • Handle: RePEc:spr:infotm:v:18:y:2017:i:4:d:10.1007_s10799-016-0270-8
    DOI: 10.1007/s10799-016-0270-8
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s10799-016-0270-8
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s10799-016-0270-8?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Young Mee Shin & Seung Chang Lee & Bongsik Shin & Ho Geun Lee, 2010. "Examining influencing factors of post-adoption usage of mobile internet: Focus on the user perception of supplier-side attributes," Information Systems Frontiers, Springer, vol. 12(5), pages 595-606, November.
    2. Rajagopal, 2014. "The Human Factors," Palgrave Macmillan Books, in: Architecting Enterprise, chapter 9, pages 225-249, Palgrave Macmillan.
    3. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    4. Fred D. Davis & Richard P. Bagozzi & Paul R. Warshaw, 1989. "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, INFORMS, vol. 35(8), pages 982-1003, August.
    5. Benlian, Alexander & Hess, Thomas, 2011. "Opportunities and risks of Software-as-a-Service: Findings from a survey of IT executives," Publications of Darmstadt Technical University, Institute for Business Studies (BWL) 58025, Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL).
    6. Lanouar Charfeddine & Wadie Nasri, 2013. "The Behavior Intention of Tunisian Banks’ Customers on using Internet Banking," International Journal of Innovation in the Digital Economy (IJIDE), IGI Global, vol. 4(1), pages 16-30, January.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Shuraida, Shadi & Titah, Ryad, 2023. "An examination of cloud computing adoption decisions: Rational choice or cognitive bias?," Technology in Society, Elsevier, vol. 74(C).
    2. Saurabh Panwar & P. K. Kapur & Ompal Singh, 2021. "Predicting diffusion dynamics and launch time strategy for mobile telecommunication services: an empirical analysis," Information Technology and Management, Springer, vol. 22(1), pages 33-51, March.
    3. Laura Grassi & Nicolas Figini & Lorenzo Fedeli, 2022. "How does a data strategy enable customer value? The case of FinTechs and traditional banks under the open finance framework," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-34, December.
    4. Asadi, Shahla & Nilashi, Mehrbakhsh & Iranmanesh, Mohammad & Hyun, Sunghyup Sean & Rezvani, Azadeh, 2022. "Effect of internet of things on manufacturing performance: A hybrid multi-criteria decision-making and neuro-fuzzy approach," Technovation, Elsevier, vol. 118(C).
    5. Elaheh Yadegaridehkordi & Mehrbakhsh Nilashi & Liyana Shuib & Shahla Asadi & Othman Ibrahim, 2019. "Development of a SaaS Adoption Decision-Making Model Using a New Hybrid MCDM Approach," International Journal of Information Technology & Decision Making (IJITDM), World Scientific Publishing Co. Pte. Ltd., vol. 18(06), pages 1845-1874, November.
    6. Abumalloh, Rabab Ali & Asadi, Shahla & Nilashi, Mehrbakhsh & Minaei-Bidgoli, Behrouz & Nayer, Fatima Khan & Samad, Sarminah & Mohd, Saidatulakmal & Ibrahim, Othman, 2021. "The impact of coronavirus pandemic (COVID-19) on education: The role of virtual and remote laboratories in education," Technology in Society, Elsevier, vol. 67(C).
    7. Li, Feng & Lu, Hui & Hou, Meiqian & Cui, Kangle & Darbandi, Mehdi, 2021. "Customer satisfaction with bank services: The role of cloud services, security, e-learning and service quality," Technology in Society, Elsevier, vol. 64(C).
    8. Santiago Carbo-Valverde & Pedro Cuadros-Solas & Francisco Rodríguez-Fernández, 2020. "A machine learning approach to the digitalization of bank customers: Evidence from random and causal forests," PLOS ONE, Public Library of Science, vol. 15(10), pages 1-39, October.
    9. Darell Edmond & Vijay Prakash & Lalit Garg & Seema Bawa, 2022. "Adoption of Cloud Services in Central Banks: Hindering Factors and the Recommendations for Way Forward," Journal of Central Banking Theory and Practice, Central bank of Montenegro, vol. 11(2), pages 123-143.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Shahla Asadi & Mehrbakhsh Nilashi & Abd Razak Che Husin & Elaheh Yadegaridehkordi, 0. "Customers perspectives on adoption of cloud computing in banking sector," Information Technology and Management, Springer, vol. 0, pages 1-26.
    2. Bilgihan, Anil & Barreda, Albert & Okumus, Fevzi & Nusair, Khaldoon, 2016. "Consumer perception of knowledge-sharing in travel-related Online Social Networks," Tourism Management, Elsevier, vol. 52(C), pages 287-296.
    3. Garima Malik & A. Sajeevan Rao, 2019. "Extended expectation-confirmation model to predict continued usage of ODR/ride hailing apps: role of perceived value and self-efficacy," Information Technology & Tourism, Springer, vol. 21(4), pages 461-482, December.
    4. Chen Wei, 2021. "The influence of Consumers’ Purchase intention on Smart Wearable Device: A study of Consumers in East China," International Journal of Science and Business, IJSAB International, vol. 5(8), pages 46-72.
    5. Suzy Jagger & Haytham Siala & Diane Sloan, 2016. "It's All in the Game: A 3D Learning Model for Business Ethics," Journal of Business Ethics, Springer, vol. 137(2), pages 383-403, August.
    6. Jumaan, Ibrahim A. & Hashim, Noor Hazarina & Al-Ghazali, Basheer M., 2020. "The role of cognitive absorption in predicting mobile internet users’ continuance intention: An extension of the expectation-confirmation model," Technology in Society, Elsevier, vol. 63(C).
    7. Elaheh Yadegaridehkordi & Mehrbakhsh Nilashi & Liyana Shuib & Shahla Asadi & Othman Ibrahim, 2019. "Development of a SaaS Adoption Decision-Making Model Using a New Hybrid MCDM Approach," International Journal of Information Technology & Decision Making (IJITDM), World Scientific Publishing Co. Pte. Ltd., vol. 18(06), pages 1845-1874, November.
    8. Ravi Seethamraju, 2015. "Adoption of Software as a Service (SaaS) Enterprise Resource Planning (ERP) Systems in Small and Medium Sized Enterprises (SMEs)," Information Systems Frontiers, Springer, vol. 17(3), pages 475-492, June.
    9. Dalal Bamufleh & Amani Saud Alshamari & Asrar Saud Alsobhi & Hanan Hisham Ezzi & Waad Sultan Alruhaili, 2021. "Exploring Public Attitudes toward E-Government Health Applications Used During the COVID-19 Pandemic: Evidence from Saudi Arabia," Computer and Information Science, Canadian Center of Science and Education, vol. 14(3), pages 1-1, August.
    10. Hasan, Rajibul & Lowe, Ben & Petrovici, Dan, 2020. "Consumer adoption of pro-poor service innovations in subsistence marketplaces," Journal of Business Research, Elsevier, vol. 121(C), pages 461-475.
    11. Debora Bettiga & Lucio Lamberti & Emanuele Lettieri, 2020. "Individuals’ adoption of smart technologies for preventive health care: a structural equation modeling approach," Health Care Management Science, Springer, vol. 23(2), pages 203-214, June.
    12. Paul Juinn Bing Tan, 2013. "Applying the UTAUT to Understand Factors Affecting the Use of English E-Learning Websites in Taiwan," SAGE Open, , vol. 3(4), pages 21582440135, October.
    13. Mäntymäki, Matti & Salo, Jari, 2013. "Purchasing behavior in social virtual worlds: An examination of Habbo Hotel," International Journal of Information Management, Elsevier, vol. 33(2), pages 282-290.
    14. Garín-Muñoz, Teresa & López, Rafael & Pérez-Amaral, Teodosio & Herguera, Iñigo & Valarezo, Angel, 2019. "Models for individual adoption of eCommerce, eBanking and eGovernment in Spain," Telecommunications Policy, Elsevier, vol. 43(1), pages 100-111.
    15. Venkatesh, Viswanath & Maruping, Likoebe M. & Brown, Susan A., 2006. "Role of time in self-prediction of behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 100(2), pages 160-176, July.
    16. Joan Torrent-Sellens & Cristian Salazar-Concha & Pilar Ficapal-Cusí & Francesc Saigí-Rubió, 2021. "Using Digital Platforms to Promote Blood Donation: Motivational and Preliminary Evidence from Latin America and Spain," IJERPH, MDPI, vol. 18(8), pages 1-17, April.
    17. Alalwan, Ali Abdallah & Baabdullah, Abdullah M. & Rana, Nripendra P. & Tamilmani, Kuttimani & Dwivedi, Yogesh K., 2018. "Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust," Technology in Society, Elsevier, vol. 55(C), pages 100-110.
    18. repec:dgr:rugsom:04f04 is not listed on IDEAS
    19. Muhammad Rizwan & Hamna Sultan & Sadia Parveen & Shumaila Nawaz & Samreen Sattar & Maryam Sana, 2013. "Determinants of Online Shopping and Moderating Role of Innovativeness and Perceived Risk," Asian Journal of Empirical Research, Asian Economic and Social Society, vol. 3(2), pages 142-159, February.
    20. Riffat Ara Zannat Tama & Md Mahmudul Hoque & Ying Liu & Mohammad Jahangir Alam & Mark Yu, 2023. "An Application of Partial Least Squares Structural Equation Modeling (PLS-SEM) to Examining Farmers’ Behavioral Attitude and Intention towards Conservation Agriculture in Bangladesh," Agriculture, MDPI, vol. 13(2), pages 1-22, February.
    21. Borhan, Muhamad Nazri & Ibrahim, Ahmad Nazrul Hakimi & Miskeen, Manssour A. Abdulasalm, 2019. "Extending the theory of planned behaviour to predict the intention to take the new high-speed rail for intercity travel in Libya: Assessment of the influence of novelty seeking, trust and external inf," Transportation Research Part A: Policy and Practice, Elsevier, vol. 130(C), pages 373-384.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:infotm:v:18:y:2017:i:4:d:10.1007_s10799-016-0270-8. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.