Journal
INTERNATIONAL JOURNAL OF BANK MARKETING
Volume 37, Issue 1, Pages 323-339Publisher
EMERALD GROUP PUBLISHING LTD
DOI: 10.1108/IJBM-02-2018-0028
Keywords
Technology acceptance model; Perceived risk; Internet banking; Domain-specific innovativeness; Innate innovativeness
Categories
Ask authors/readers for more resources
Purpose - The purpose of this paper is to understand consumers' intention to adopt internet banking. The study adopted the technology acceptance model with additional constructs (i.e. consumer innate innovativeness (II), domain-specific innovativeness (DSI) and perceived security risk (PR)). Design/methodology/approach - The data were collected through a questionnaire-based survey (487 usable responses) from Indian consumers. A two-step SEM approach (i.e. measurement model and structural model) was used to analyze the data. Findings - The findings show the significant positive influence of perceived usefulness, ease of use, attitude, II and DSI on consumer's intention to adopt internet banking. The PR was found to have a significant negative influence on consumers' intention to adopt internet banking, and DSI was found to negatively influence PR. Research limitations/implications - The study is limited to users of a particular region of India. Furthermore, the study limits itself in determining consumers' intention only, not actual usage. Originality/value - The study is a preliminary attempt to examine consumer's intention to adopt internet banking in India by analyzing innovativeness and perceived risk.
Authors
I am an author on this paper
Click your name to claim this paper and add it to your profile.
Reviews
Recommended
No Data Available