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AI & Soc (2007) 21: 315327 DOI 10.1007/s00146-006-0062-5
OPEN FORUM
Nelson Oly Ndubisi
Received: 31 March 2005 / Accepted: 27 March 2006 / Published online: 17 June 2006 Springer-Verlag London Limited 2006
Abstract In the past, the conventional concentration of Internet banking (IB) research has been on technology development, but this is now shifting to user-focused research. It has been suggested that potential users of IB services in Malaysia may not adopt the system even if they are available, due to their perceptions of this application and their level of condence in using it to solve their banking needs. This study therefore employs the extended technology acceptance model as the theoretical framework for assessing the inuences of perceived usefulness, perceived ease of use, perceived reliability, and computer self-ecacy on IB adoption in Malaysia. This study scrutinizes the moderation eect of computer self-ecacy on perceptionsintention relationships. Based on data from a sample of 133 Internet-using bank customers collected through a eld survey, it was found that perceived usefulness and perceived ease of use were strong determinants of behavioral intention to adopt IB, while perceived reliability has no direct relationship with intention. Computer self-ecacy signicantly moderates the relationship of perceived usefulness and perceived ease of use with intention.
Keywords Internet banking Computer self-ecacy Perceived usefulness Perceived ease of use Perceived reliability
1 Introduction
Information technology (IT) has signicant inuence on the life of many people across the globe. Various activities are handled electronically today through the adoption of IT in the workplace or at home, for example, e-mail, e-commerce and e-government. The Internet has become a signicant part of daily life for both consumers and business enterprises in both developing and developed countries. Even, banking products and the manner they are delivered has been revolutionized by the Internet. ASLI (2002) reported that in response to increased competition, the larger banks in Malaysia had aggressively leveraged the
N. O. Ndubisi
Faculty of Business and Economics, Monash University Malaysia, #2 Jalan Kolej, Bandar Sunway, 46150 Petaling Jaya, Selangor, Malaysia E-mail: [email protected]
Customers perceptions and intention to adopt Internet banking: the moderation effect of computer self-efcacy
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Internet. Both local banks and foreign banks operating in Malaysia have launched online banking and increasingly used it to create and deliver innumerable...