“…The theory of Reasoned Action has been employed by various studies to examine behavior of humans in the fields of marketing, psychology and entrepreneurship (Armitage and Conner 1999;Buttle and Bok 1996;Conner & Abraham 2001;Shan, & King, 2015;Hasbullah et al, 2016;Tiwari, & Bhat, 2017). Many studies in social science have supported the proposition that subjective norms are the vital predictor of a person's behavioral intentions (Conner, Kirk, Cade and Barrett 2001;Morris, & Liu, 2015;Minton, et al, 2018;Bok, & Park, 2019). Various authors studied the subjective norm on adopting banking and found it the most important factor in shaping the intention of people (Gumel et al 2015;Hanudin et al, 2014;Abduh et al, 2011).…”