No abstract

The explosion of Internet usage and the huge funding initiatives in electronic banking have drawn the attention of researchers towards Internet banking. In the past, the conventional focus of Internet banking research has been on technological development, but this is now shifting to user‐focused research. Although millions of dollars have been spent on building Internet banking systems, reports have shown that potential users may not use the systems in spite of their availability. This points out the need for research to identify the factors that determine acceptance of Internet banking by the users. According to the technology acceptance model (TAM), perceived ease of use and perceived usefulness constructs are believed to be fundamental in determining the acceptance and use of various IT. These beliefs may however not fully explain the user's behavior toward newly emerging IT, such as Internet banking. Using the technology acceptance model (TAM) as a theoretical framework, this study introduces “perceived credibility” as a new factor that reflects the user's security and privacy concerns in the acceptance of Internet banking. It also examines the effect of computer self‐efficacy on the intention to use Internet banking. Based on a sample of 123 users from a telephone interview, the results strongly support the extended TAM in predicting the intention of users to adopt Internet banking. It also demonstrates the significant effect of computer self‐efficacy on behavioral intention through perceived ease of use, perceived usefulness, and perceived credibility.

No abstract

Advances in wireless technology have increased the number of people using mobile devices and accelerated the rapid development of mobile service (mservice) conducted with these devices. However, although many companies are today making considerable investments to take advantage of the new business possibilities offered by wireless technology, research on mobile commerce suggests potential consumers may not adopt these m-services in spite of their avail- ('self-efficacy' and 'perceived financial resources') to the TAM's nomological structure and re-examining the relationships between the proposed constructs. Data collected from 258 users in Taiwan were tested against the research model using the structural equation modelling approach. The results strongly support the proposed model in predicting consumer intention to use m-service. Several implications for information technology/information system acceptance research and m-service management practices are discussed. ability. Thus, there is a need for research to identify the factors that affect consumer intention to use m-services. Based on the technology acceptance model (TAM), theory of planned behaviour (TPB) and Luarn & Lin's 2005 mobile banking acceptance model, the current research respecifies and validates an integrated model for predicting consumer intention to use m-service by adding one trustrelated construct ('perceived credibility') and two resource-related constructs

No abstract