“…Within the last two decades, the TAM has been tested, refined, and extended to better understand the intention to use technology. Therefore, researchers have predominantly used the TAM to understand the e-banking practices (Al-Qeisi, Dennis, Alamanos, & Jayawardhena, 2014;Diatmika, Irianto, & Baridwan, 2016;Martins, Oliveira, & Popovič, 2014;Park, Baek, Ohm, & Chang, 2014;Pikkarainen et al, 2004). Besides, TAM offered a strong and simple explanation of the acceptance of technology and the behavior of the technology users (Davis, 1989) and it predicts the usage behavior of a new technology by its users (Venkatesh & Davis, 2000).…”