Volume 29, Issue 3
DOI: 10.24205/03276716.2020.714
PROPOSING A FRAMEWORK FOR E-BANKING ADOPTION IN AN EMERGING ECONOMY: AN APPLICATION OF TECHNOLOGY ACCEPTANCE MODEL AND CONSUMER PSYCHOLOGY
Abstract
The prime objective of the current study is to highlight the application of technology acceptance model and proposing a framework for e-banking adoption. The study has first examined the antecedents to the perceived ease of use of e-banking users. Addition to that the study has also examined the impact of the perceived ease of use on the perceived usefulness e-banking users. Finally, the study has examined the impact of the perceived ease of use and perceived usefulness on the e-banking of e-banking users in Pakistan. Perceived usefulness refers to the perception that e-banking facilitate users to complete their day-to-day financial tasks and has a positive relationship with e-satisfaction. The study has used the SEM-PLS is used for the data analysis. It indicates that Pakistani e-banking users derive their satisfaction from e-banking service usage, since these services satisfy their expectations in terms of online financial transactions. Furthermore, the findings of this study support the positive relation between e-trust and perceived usefulness, which implies that e-banking customers also consider alternative banking service channels to be useful and easily useable, because it takes little mental and physical effort; it is easy to remember codes and passwords; and require no outside help while operating these channels, resulting in satisfied customers.
Keywords: Technology Acceptance Model, e-banking,
Pakistan
Keywords
Technology Acceptance Model, e-banking, Pakistan