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Determinants of e-banking adoption: A non-users perspective in Pakistan

Author

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  • Ali, Muhammad
  • Chin-Hong, Puah
  • Arif, Imtiaz

Abstract

This study has attempted on a motivation to identify the factors that determine the intention of non-users of e-banking service in Pakistan. In this sense, the present study has combined Davi’s technology acceptance model (TAM) with external factors, namely subjective norm (SN), trust (TR), technological self-efficacy (TSE), internet experience (IE) and enjoyment (ENJ) to introduce an extension of the TAM model for the non-users of e-banking service.The proposed TAM model was evaluated in a sample of 412 respondents under the framework of structural equation modeling (SEM). For this purpose, we have used Analysis of Moment Structures (AMOS) 21 to test the hypothesized model. Overall, the empirical outcome suggests that the ENJ had a greater total effect on perceived usefulness (PU) and perceived ease of use (PEOU) while, SN showed a greater total effect on the intention to use (ITU) the e-banking service. Furthermore, the TAM model in our study has successfully extended in order to predict non-users intention to use e-banking service.The study has offered a new and useful insights in the existing literature of the TAM model, specifically for the non-users perspective.

Suggested Citation

  • Ali, Muhammad & Chin-Hong, Puah & Arif, Imtiaz, 2015. "Determinants of e-banking adoption: A non-users perspective in Pakistan," MPRA Paper 67878, University Library of Munich, Germany, revised 02 Oct 2015.
    • Handle: RePEc:pra:mprapa:67878
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    References listed on IDEAS

    as
    1. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    2. Ali, Muhammad & Raza, Syed Ali, 2015. "Measurement of Service Quality Perception and Customer Satisfaction in Islamic Banks of Pakistan: Evidence from Modified SERVQUAL Model," MPRA Paper 64039, University Library of Munich, Germany.
    3. D. Harrison McKnight & Vivek Choudhury & Charles Kacmar, 2002. "Developing and Validating Trust Measures for e-Commerce: An Integrative Typology," Information Systems Research, INFORMS, vol. 13(3), pages 334-359, September.
    4. Ritu Agarwal & V. Sambamurthy & Ralph M. Stair, 2000. "Research Report: The Evolving Relationship Between General and Specific Computer Self-Efficacy—An Empirical Assessment," Information Systems Research, INFORMS, vol. 11(4), pages 418-430, December.
    5. Shirley Taylor & Peter A. Todd, 1995. "Understanding Information Technology Usage: A Test of Competing Models," Information Systems Research, INFORMS, vol. 6(2), pages 144-176, June.
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    Cited by:

    1. Ali, Muhammad, 2015. "Bank profitability and its determinants in Pakistan: A panel data analysis after financial crisis," MPRA Paper 67987, University Library of Munich, Germany, revised 01 Nov 2015.
    2. Seif Obeid Al-Shbiel & Muhannad Akram Ahmad, 2016. "A Theoretical Discussion of Electronic Banking in Jordan by Integrating Technology Acceptance Model and Theory of Planned Behavior," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 6(3), pages 272-284, July.
    3. Muhammad Ali, 2016. "Bank Profitability and its Determinants in Pakistan: A Panel Data Analysis after Financial Crisis," Journal of Finance and Economics Research, Geist Science, Iqra University, Faculty of Business Administration, vol. 1(1), pages 1-14, March.

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    More about this item

    Keywords

    e-banking; technology acceptance model (TAM); behavioral intention; Pakistan.;
    All these keywords.

    JEL classification:

    • G0 - Financial Economics - - General
    • G02 - Financial Economics - - General - - - Behavioral Finance: Underlying Principles
    • G2 - Financial Economics - - Financial Institutions and Services

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