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An Empirical Study on the Intention to Use Open Banking in India

Author

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  • Brijesh Sivathanu

    (Symbiosis Centre for Information Technology (SCIT), Symbiosis International University (SIU), Pune, India)

Abstract

This article examines the use intention of open banking technology in the context of an emerging economy like India using the theoretical framework of Technology Readiness and Acceptance Model (TRAM). To study the use intention for open banking in India, a primary survey was conducted among 945 customers using a structured questionnaire. The PLS-SEM technique was used to analyze the data. Findings – The results show that Optimism (OPM) contributes positively to the Perceived Ease of Use (PES) and Perceived Usefulness (PUF) of the open banking technology. Innovativeness (INO) of the customers is a significant predictor of PES and PUF. It was found that Discomfort (DCF) negatively contributes to PES and PUF; however, it significantly influences PES and has no significant influence on PUF. Insecurity (INT) is negatively significant to PUF and it has no significant influence on PES. It is observed that PES positively contributes to PUF. The results show that PES and PUF are significant predictors of Perceived Customer Value (PCV). PCVs contribution to the Use Intention (UNT) is significantly positive for open banking technology. The stickiness to traditional banking moderates the relationship between PCV and UNT for open banking.

Suggested Citation

  • Brijesh Sivathanu, 2019. "An Empirical Study on the Intention to Use Open Banking in India," Information Resources Management Journal (IRMJ), IGI Global, vol. 32(3), pages 27-47, July.
    • Handle: RePEc:igg:rmj000:v:32:y:2019:i:3:p:27-47
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    File URL: http://services.igi-global.com/resolvedoi/resolve.aspx?doi=10.4018/IRMJ.2019070102
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    Cited by:

    1. Pillai, Rajasshrie & Sivathanu, Brijesh & Dwivedi, Yogesh K., 2020. "Shopping intention at AI-powered automated retail stores (AIPARS)," Journal of Retailing and Consumer Services, Elsevier, vol. 57(C).
    2. Gorka Briones de Araluze & Natalia Cassinello Plaza, 2023. "The Relevance of Initial Trust and Social Influence in the Intention to Use Open Banking-Based Services: An Empirical Study," SAGE Open, , vol. 13(3), pages 21582440231, July.

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