An Application of TAM and TRI on the Factors Affecting Internet Banking Adoption in Bangladesh

• 영문명: An Application of TAM and TRI on the Factors Affecting Internet Banking Adoption in Bangladesh
• 발행기관: 한국유통과학회
• 저자명: Md. Iftekharul AMIN Nafis ERFAN Mashrur NAVID Mohammed Shafiul Alam KHAN Md. Shariful ISLAM
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 9 No.9, 75~91쪽, 전체 17쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2022.10.31

영문 초록

This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn’t been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

목차

1. Introduction

2. Literature Review

3. Research Design and Method

4. Results

5. Practical Implications and Recommendations

6. Conclusion

References

Appendix A

키워드

Perceived Risk Perceived Value Technology Familiarity Usage Adoption Usage Continuance