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Internet banking acceptance model: Cross-market examination

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  • Alsajjan, Bander
  • Dennis, Charles

Abstract

This article proposes a revised technology acceptance model to measure consumers' acceptance of Internet banking, the Internet banking acceptance model (IBAM). Data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as "attitudinal intentions" (AI). Structural equation modeling confirms the fit of the model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrates the psychometric equivalence of the IBAM measurements between the two country groups. At the structural level, the influence of trust and system usefulness on AI varies between the two countries, emphasizing the potential role of cultures in IS adoption. The IBAM is robust and parsimonious, explaining over 80% of AI.

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  • Alsajjan, Bander & Dennis, Charles, 2010. "Internet banking acceptance model: Cross-market examination," Journal of Business Research, Elsevier, vol. 63(9-10), pages 957-963, September.
    • Handle: RePEc:eee:jbrese:v:63:y::i:9-10:p:957-963
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    19. Sk Alamgir Hossain & Yukon Bao & Najmul Hasan & Md Farijul Islam, 2020. "Perception and prediction of intention to use online banking systems: An empirical study using extended TAM," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 9(1), pages 112-126, January.
    20. Elena Ageeva & Pantea Foroudi & T. C. Melewar & Bang Nguyen & Charles Dennis, 2020. "A Holistic Framework of Corporate Website Favourability," Corporate Reputation Review, Palgrave Macmillan, vol. 23(3), pages 201-214, August.
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    22. Chen, Xiujuan & Wu, Linhai & Pan, Yu & Siu, Kin Wai Michael & Gong, Xiaoru & Zhu, Dian, 2018. "Consumer Acceptance of an Agricultural Products Traceability System: Evidence from China," 2018 Annual Meeting, August 5-7, Washington, D.C. 273896, Agricultural and Applied Economics Association.
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