The interplay of counter-conformity motivation, social influence, and trust in customers' intention to adopt Internet banking services: The case of an emerging country

Chaouali, Walid; Yahia, Imène Ben; Souiden, Nizar

doi:10.1016/j.jretconser.2015.10.007

Cited by 234 publications

(208 citation statements)

References 102 publications

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“…According to Martins et al (2014), social influence will affect user's intention to adopt internet banking services. Similar to this Chaouali et al (2016) postulated that an individual who believes that important others believe his usage of new product or services will be more inclined to use these products or technology services. Thus, in views of above arguments social influence is hypothesized as:…”

Section: Social Influencementioning

confidence: 88%

Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context

Rahi¹,

Ghani²,

Alnaser³

et al. 2018

10.5267/j.msl

128

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Several studies have made known that internet banking (IB) implementation is not only advantageous for banks, but also by perception and experience of IB users. Therefore, little is known about factors propelling user's intention to adopt internet banking in Pakistan. Thus, the purpose of this research is to investigate the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context. A quantitative approach based survey was conducted to collect the data from 398 internet banking users. For statistical analysis structural equation model (SEM) approach was used. The result of this study indicates that, UTAUT model provided a good theoretical foundation in technology adoption investigation. Findings confirmed that all four predictors (performance expectancy, effort expectancy, social influence and facilitating condition) were significant and had significant amount of variance in predicting user's intention to adopt internet banking. Additionally, the IPMA test revealed that performance expectancy was the most important factor among all other variables to predict user's intention towards adoption of internet banking. Lastly, managerial implications, limitations and future recommendations are discussed.

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Section: Social Influencementioning

confidence: 88%

Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context

Rahi¹,

Ghani²,

Alnaser³

et al. 2018

10.5267/j.msl

128

View full text Add to dashboard Cite

show abstract

“…Though, in reality Internet banking offers many advantages such as faster transaction and lower handling fee, yet there are a large group of customers who refuse to adopt it due to uncertainty and security concern (Chaouali et al 2016;Lee 2009). Previous study's key attention was largely on single or multiple factors which limit user acceptance of Internet banking services.…”

Section: Theoretical Conceptualizationmentioning

confidence: 99%

What obstruct customer acceptance of internet banking? Security and privacy, risk, trust and website usability and the role of moderators

Ilmudeen

Bao

2018

The Journal of High Technology Management Research

101

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Comparatively a little attention has been paid to the factors that obstruct the acceptance of Internet banking in Sri Lanka. This research assimilates constructs such as security and privacy, perceived trust, perceived risk, and website usability. To test the conceptual model, we collected 186 valid responses from customers who use Internet banking in Sri Lanka. The structural equation modelling technique is applied and hypotheses are validated. The findings show perceived trust and website usability are the possible obstructing factors that highly concerned by Internet banking customers. While security and privacy, and perceived risk are not significant and these are not highly concerned by customers in Internet banking acceptance. The age and gender reveal the moderating effect in each exogenous latent constructs relationship. The practical and managerial implications of the findings are also discussed. This country specific study contributes to the advancement of Internet banking acceptance, and offers some useful insights to researchers, practitioners and policy makers on how to enhance Internet banking acceptance for country similar in context.

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“…For example, an extensive literature review suggests personal, organisational as well as cultural factors as instrumental for online trust [43]. Many studies stress the social [44,45], not least the importance of communication and group adherence [46] and self-efficacy [37]. However, this social dimension is closely connected with agency [47].…”

Section: Related Researchmentioning

confidence: 99%

The Interplay Between Human and Machine Agency

Pickering

Engen

Walland

2017

Lecture Notes in Computer Science

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Abstract. Human-machine networks affect many aspects of our lives: from sharing experiences with family and friends, knowledge creation and distance learning, and managing utility bills or providing feedback on retail items, to more specialised networks providing decision support to human operators and the delivery of health care via a network of clinicians, family, friends, and both physical and virtual social robots. Such networks rely on increasingly sophisticated machine algorithms, e.g., to recommend friends or purchases, to track our online activities in order to optimise the services available, and assessing risk to help maintain or even enhance people's health. Users are being offered ever increasing power and reach through these networks by machines which have to support and allow users to be able to achieve goals such as maintaining contact, making better decisions, and monitoring their health. As such, this comes down to a synergy between human and machine agency in which one is dependent in complex ways on the other. With that agency questions arise about trust, risk and regulation, as well as social influence and potential for computer-mediated self-efficacy. In this paper, we explore these constructs and their relationships and present a model based on review of the literature which seeks to identify the various dependencies between them. IntroductionA definition of agency based on the notion of non-deterministic behaviours [1] fails to recognise the increasing variety and complexity of human-machine networks 1 (HMNs) [2], the intention of technology designers [3], and active intervention by bots within social networks [4,5]. The concept of agency is particularly problematic in human-machine interactions [6]. Machine or material agency may be seen as automation, which originally required some tolerance from human agents [7]. But this is no longer true: technology can actively support human activity [8], and manifests increasingly complex interaction types [9]. Machine and human agency may not be the same and yet equally valid [10]; machine agency may be just "perceived autonomy" [11]; and it 1 In the following we use human-machine network and network interchangeably.certainly enables human agency [12]. Indeed, agency may well be becoming a social and group construct where both humans and machines play a part [13,14]; and used effectively, agency may even lead to innovative review of working practice [15].The enabling contribution of machine agents within a network may have an effect on self-efficacy. Bandura's original definition of self-efficacy as an individual's belief in their ability to be able to achieve a given objective [16][17][18] has also been applied to technology [19,20] and its acceptance [21]. There are, however, constraints on the support and positive contribution of technology to human self-efficacy, not least in terms of anxiety and suspicion around technology use [22,23]. This may be further exacerbated by increasing machine animism: it may not always be obvious what machines ar...

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The interplay of counter-conformity motivation, social influence, and trust in customers' intention to adopt Internet banking services: The case of an emerging country

Cited by 234 publications

References 102 publications

Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context

Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context

What obstruct customer acceptance of internet banking? Security and privacy, risk, trust and website usability and the role of moderators

The Interplay Between Human and Machine Agency

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