Munich Personal RePEc Archive

Determinants of e-banking adoption: A non-users perspective in Pakistan

Ali, Muhammad and Chin-Hong, Puah and Arif, Imtiaz (2015): Determinants of e-banking adoption: A non-users perspective in Pakistan.

[thumbnail of MPRA_paper_67878.pdf]

Download (484kB) | Preview


This study has attempted on a motivation to identify the factors that determine the intention of non-users of e-banking service in Pakistan. In this sense, the present study has combined Davi’s technology acceptance model (TAM) with external factors, namely subjective norm (SN), trust (TR), technological self-efficacy (TSE), internet experience (IE) and enjoyment (ENJ) to introduce an extension of the TAM model for the non-users of e-banking service.The proposed TAM model was evaluated in a sample of 412 respondents under the framework of structural equation modeling (SEM). For this purpose, we have used Analysis of Moment Structures (AMOS) 21 to test the hypothesized model. Overall, the empirical outcome suggests that the ENJ had a greater total effect on perceived usefulness (PU) and perceived ease of use (PEOU) while, SN showed a greater total effect on the intention to use (ITU) the e-banking service. Furthermore, the TAM model in our study has successfully extended in order to predict non-users intention to use e-banking service.The study has offered a new and useful insights in the existing literature of the TAM model, specifically for the non-users perspective.

Atom RSS 1.0 RSS 2.0

Contact us: mpra@ub.uni-muenchen.de

This repository has been built using EPrints software.

MPRA is a RePEc service hosted by Logo of the University Library LMU Munich.