An empirical investigation of the determinants of user acceptance of Internet banking

Journal of Organizational Computing and Electronic Commerce

Volumn 13, Issue 2, 2003, Pages 123-145

  Chau, Patrick Y K ^a   Lai, Vincent S K ^b  

^a UNIVERSITY OF HONG KONG   (Hong Kong)

^b CHINESE UNIVERSITY OF HONG KONG   (Hong Kong)

Author keywords

Accessibility; Alliance services; Internet banking services; Personalization; Task familiarity; Technology acceptance

Indexed keywords

EID: 0042762675     PISSN: 10919392     EISSN: None     Source Type: Journal    
DOI: 10.1207/S15327744JOCE1302_3     Document Type: Article

References (52)

1. M. M. Beikier, D. K. Flur, and S. J. Saingham, "A future for bricks and mortar," McKinsey Quarterly, vol. 3, pp. 78-85, 2000.
2. Mary J. Cronin (Ed.), Banking and Finance on the Internet. New York: Van Nostrand Reinhold, 1997.
3. D. A. Adams, R. R. Nelson, and P. A. Todd, "Perceived usefulness, ease of use, and usage of information technology: A replication," MIS Quarterly, vol. 16, no. 2, pp. 227-247, 1992.
4. P. Y. K. Chau, "An empirical assessment of a modified technology acceptance model," Journal of Management Information Systems, vol. 13, no. 2, pp. 185-204, 1996.
5. W. W. Chin and P. A. Todd, "On the use, usefulness, and ease of use of structural equation modeling in MIS research: A note of caution," MIS Quarterly, vol. 19, no. 2, pp. 237-246, 1995.
6. F. D. Davis, "Perceived usefulness, perceived ease of use, and user acceptance of information technology," MIS Quarterly, vol. 13, no. 3, pp. 319-339, 1989.
7. K. Mathieson, "Predicting user intention: Comparing the technology acceptance model with theory of planned behavior," Information Systems Research, vol. 2, no. 3, pp. 173-191, 1991.
8. D. Straub, M. Keil, and W. Brenner, "Testing the technology acceptance model across cultures: A three-country study," Information and Management, vol. 33, no. 1, pp. 1-11, 1997.
9. V. Venkatesh, "Determinants of perceived ease of use: Integrating control, intrinsic motivation, and emotion into the technology acceptance model," Information Systems Research, vol. 11, no. 4, pp. 342-365, 2000.
10. V. Venkatesh and F. D. Davis, "A model of the perceived ease of use development and test," Decision Sciences, vol. 27, no. 3, pp. 451-481, 1996.
11. P. J. H. Hu, P. Y. K. Chau, O. R. Sheng, and K. Y. Tam, "Examining technology acceptance model using physician acceptance of telemedicine technology," Journal of Management Information Systems, vol. 16, no. 2, pp. 91-112, 1999.
12. F. D. Davis, A technology acceptance model for empirically testing new end-user information systems: Theory and results, Doctoral dissertation, Sloan School of Management, Massachusetts Institute of Technology, Cambridge, Massachusetts, 1986.
13. A. R. Hendrickson and M. R. Collins, "An assessment of structure and causation of IS usage," Data Base, vol. 27, no. 3, pp. 61-67, 1996.
14. G. H. Subramanian, "A replication of perceived usefulness and perceived ease of use measurement," Decision Sciences, vol. 25, nos. 5/6, pp. 863-874, 1994.
15. D. Gefen and D. W. Straub, "Gender differences in the perception and use of e-mail: An extension to the technology acceptance model," MIS Quarterly, vol. 21, no. 4, pp. 389-400, 1997.
16. B. Szajna, "Empirical evaluation of the revised technology acceptance model," Management Science, vol. 42, no. 1, pp. 85-92, 1996.
17. V. Venkatesh and M. G. Morris, "Why don't men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior," MIS Quarterly, vol. 24, no. 1, pp. 115-139, 2000.
18. S. Taylor and P. A. Todd, "Understanding information technology usage: A test of competing models," Information Systems Research, vol. 6, no. 2, pp. 144-176, 1995.
19. P. Y. K. Chau, "An empirical investigation on factors affecting the acceptance of CASE by system developers," Information and Management, vol. 30, no. 6, pp. 269-280, 1996.
20. R. P. Bagozzi and Y. Yi, "The degree of intention formation as a moderator of the attitude-behavior relationship," Social Psychology Quarterly, vol. 52, pp. 266-279, 1989.
21. R. P. Bagozzi, "The level of effort required for behaviors as a moderator of the attitude-behavior relation," European Journal of Social Psychology, vol. 20, pp. 266-279, 1990.
22. S. S. Al-Gahtani and M. King, "Attitudes, satisfaction and usage: Factors contributing to each in the acceptance of information technology," Behaviour and Information Technology, vol. 18, no. 4, pp. 277-297, 1999.
23. S. J. Winter, K. M. Chudoba, and B. A. Gutek, "Attitudes toward computers: When do they predict computer use," Information and Management, vol. 34, no. 5, pp. 275-284, 1998.
24. J. Holland and S. M. Backer, "Customer participation in creating site brand loyalty." Journal of Interactive Marketing, vol. 15, no. 4, pp. 34-45, 2001.
25. J. Wind and A. Rangaswamy, "Customerization: The next revolution in mass customization," Journal of Interactive Marketing, vol. 15, no. 1, pp. 13-32, 2001.
26. J. Dysart, "eGenie site leads way in personalization," Advertising Age's Business Marketing, vol. 83, no. 10, p. 33, 1998.
27. Y. Bakos, "The emergent role of electronic marketplaces on the Internet," Communications of the ACM, vol. 41, no. 8, pp. 35-41, 1998.
28. I. Rubin, "Personalizing the Internet," Banking Strategies, vol. (Sept/Oct), pp. 6-10, 1998.
29. L. M. Applegate, F. W. McFarlan, and J. L. McKenney, "Corporate Information Systems Management." Singapore: Irwin/McGraw-Hill, 1997.
30. H. M. Deitel, P. J. Deitel, and K. Steinbuhler, E-Business & E-Commerce for Managers, Englewood Cliffs, NJ: Prentice Hall, 2000.
31. S. Liao, P. S. Yuan, H. Wang, and A. Chen, "The adoption of virtual banking: An empirical study," International Journal of Information Management, vol. 19, no. 1, pp. 63-74, 1999.
32. R. Agarwal and E. Karahanna, "Time flies when you're having fun: Cognitive absorption and beliefs about information technology usage," MIS Quarterly, vol. 24, no. 4, pp. 665-694, 2000.
33. K. K. Kim and N. S. Umanath, "Structure and perceived effectiveness of software development subunits: A task contingency analysis," Journal of Management Information Systems, vol. 9, no. 3, pp. 157-181, 1992-1993.
34. E. Karahanna and D. W. Straub, "The psychological origins of perceived usefulness and ease-of-use." Information and Management, vol. 35, pp. 237-250, 1999.
35. H. P. Goh, The diffusion of Internet in Singapore. Academic exercise, Faculty of Business Administration, National University of Singapore, 1995.
36. M. Tan and T. S. H. Teo, "Factors influencing the adoption of Internet banking," Journal of the Association for Information Systems, vol. 1, no. 5, pp. 1-44, 2000.
37. M. R. Vitale and H. R. Johnson, "Creating competitive advantage with interorganizational information systems," MIS Quarterly, vol. 22, no. 2, pp. 153-165, 1998.
38. R. L. Daft, R. H. Lengel, and L. K. Trevino, "Message equivocality, media selection manager performance; Implications for information systems, " MIS Quarterly, vol. 11, no. 3, pp. 355-366, 1987.
39. V. Lai, "A contingency of CASE-task fit on software developer's performance." European Journal of Information Systems, vol. 8, no. 1, pp. 27-39, 1999.
40. Mary J. Culnan, "The dimensions of perceived accessibility to information: Implications for the delivery of information systems and services," Journal of the American Society for Information Science, vol. 36, no. 5, pp. 302-308, 1985.
41. T. S. H. Teo, V. K. G. Lim, and R. Y. C. Lai, "Intrinsic and extrinsic motivation in Internet usage," Omega: International Journal of Management Science, vol. 27, no. 1, pp. 25-37, 1999.
42. J. Hartwick and H. Barki, "Explaining the role of user participation in information systems use," Management Science, vol. 40, no. 4, pp. 440-465, 1994.
43. P. Y. K. Chau, "Reexamining a model for evaluating information center success using a structural equation modeling approach," Decision Sciences, vol. 28, no. 2, pp. 309-334, 1997.
44. J. C. Nunnally and I. H. Bernstein, Psychometric Theory, 3rd ed. New York: McGraw-Hill, 1994.
45. K. Mathieson and M. Keil, "Beyond the interface: Ease of use and task/technology fit," Information and Management, vol. 34, no. 4, pp. 221-230, 1998.
46. E. M. Rogers, Diffusion of Innovations. Free Press: New York, 1983.
47. M. Keil, P. M. Beranek, and B. R. Konsynski, "Usefulness and ease of use: Field study evidence regarding task consideration," Decision Support Systems, vol. 13, no. 1, pp. 75-91, 1995.
48. P. M. Rosenzweig, "When can management science research be generalized internationally?," Management Science, vol. 40, no. 1, pp. 28-39, 1994.
49. D. L. Hoffman, "Building consumer trust online," Communications of the ACM, vol. 42, no. 4, pp. 80-85, 1999.
50. S. Jones, "Trust requirements in e-business," Communications of the ACM, vol. 43, no. 12, pp. 80-89, 2000.
51. D. Schoder, "Building firm trust online," Communications of the ACM, vol. 43, no. 12, pp. 73-79, 2000.
52. R. P. Srivastava and T. J. Mock, "Evidential reasoning for Webtrust assurance services," Journal of Management Information Systems, vol. 16, no. 3, pp. 11-32, 1999-2000.