Internet banking acceptance model: cross-market examination

Alsajjan, Bander and Dennis, Charles (2010) Internet banking acceptance model: cross-market examination. Journal of Business Research, 63 (9). pp. 957-963. ISSN 0148-2963

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This article proposes a revised technology acceptance model to measure consumers’ acceptance of Internet banking; IBAM.. In order to assess the robustness of the model, data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as “attitudinal intentions” (AI). Structural equation modeling confirms the fit of the proposed model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrated the psychometric agreement of IBAM between groups. In structural level, the influence of trust and system usefulness on AI vary between the two countries, thus emphasizing the potential role of cultures in IS adoption. IBAM is robust and parsimonious, explaining more than 80% of AI, demonstrating high specialization in predicting and explaining Internet banking behaviors.

Keywords:Internet banking, technology acceptance, cross-market examination, Saudi Arabia, United Kingdom, e-banking, online banking
Subjects:N Business and Administrative studies > N240 Retail Management
Divisions:Lincoln International Business School
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ID Code:8525
Deposited On:03 Apr 2013 07:42

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