Predicting Online Banking Adoption: Extension of Technology Acceptance Model with Psychographic factors
Year: 2016
Type: article
Study design: Observational Study
Abstract: It has been noted that users' attitudes towards and acceptance of anew information system has a critical impact on successfuladoption of information system. Online banking is newtechnology based, cost efficient, convenient and time savingchannel for the customers as compared totraditional bank branches. However, it has been observed thatIndian banking customers are reluctant to adopt online bankingservices. This paper aims to empirically examine the psychographicfactors that affect the adoption of online banking. PerceivedUsefulness, Perceived Ease of Use, Trust, Social Norms, ComputerSelf-Efficacy, Personal Innovativeness, and Domain Specific OpinionLeadership were examined to determine if these factors are affectingonline banking adoption. It integrates Technology Acceptance Modelwith important Psychographic variables and the proposed modelshowing the relationship between predictors and dependentvariable is tested. The results can be useful for banks' decisionmakers to develop strategies that can increase the adoption ofonline banking.
DOI: 10.67706/tw6gph72
Authors: Amit Rajdev, Kedar Bhatt
Institution: Ganpat University
Language: English
Subfield: Information Systems and Management
Field: Decision Sciences
Domain: Social Sciences
Open Access status: bronze
OpenAlex ID: W7213558232