Internet banking adoption in India structural equation modeling approach

Journal of Indian Business Research

Volumn 6, Issue 2, 2014, Pages 155-169

  Sharma, Sujeet Kumar ^a   Govindaluri, Srikrishna Madhumohan ^a  

^a SULTAN QABOOS UNIVERSITY   (Oman)

Author keywords

Factor loadings; India; Internet banking; Structural equation modeling; TAM

Indexed keywords

EID: 84926179624     PISSN: 17554195     EISSN: 17554209     Source Type: Journal    
DOI: 10.1108/JIBR-02-2013-0013     Document Type: Article

References (45)

1. Adesina, A.A. and Ayo, C.K. (2010), "An empirical investigation of the level of users acceptance of e-banking in Nigeria", Journal of Internet Banking and Commerce, Vol. 15 No. 1, pp. 1-13.
2. Ajzen, I. (1985), "From intentions to actions: a theory of planned behavior", in Kuhl, J. and Beckmann, J. (Eds), Action Control: From Cognition to Behavior, Springer, Heidelberg.
3. Ajzen, I. and Fishbein, M. (1980), Understanding Attitudes and Predicting Social Behavior, Prentice Hall, Englewood-Cliffs, NJ.
4. Ajzen, I. and Madden, T. (1986), "Prediction of goal-directed behavior: attitudes, intentions, and perceived behavioral control", Journal ofExperimental Social Psychology, Vol. 22 No. 5, pp. 453-474.
5. Akturan, U. and Tezcan, N. (2012), "Mobile banking adoption of the youth market: perceptions and intentions", Marketing Intelligence & Planning, Vol. 30 No. 4, pp. 444-459.
6. Al-Somali, S., Gholami, R. and Clegg, B. (2009), "An investigation into the acceptance of online banking in Saudi Arabia", Technovation, Vol. 29 No. 2, pp. 130-141.
7. Al-Sukkar, A. and Hassan, H. (2005), "Towards a model for the acceptance of internet banking in developing countries", Information Technology for Development, Vol. 11 No. 4, pp. 381-398.
8. Anandarajan, M., Igbaria, M. and Anakwe, U.P. (2000), "Technology acceptance in the banking industry, a perspective from a less developed country", Information Technology and People, Vol. 13 No. 4, pp. 298-312.
9. Brown, I., Cajee, Z., Davies, D. and Stroebel, S. (2003), "Cell phone banking: predictors of adoption in South Africa - an exploratory study", InternationalJournal of Information Management, Vol. 23 No. 5, pp. 381-394.
10. Chong, A.Y.L., Darmawan, N., Ooi, K.B. and Lin, B. (2010), "Adoption of 3G services among Malaysian consumers: an empirical analysis", International Journal of Mobile Communications, Vol. 8 No. 2, pp. 129-149.
11. Chwelos, P., Benbasat, I. and Dexter, A.S. (2001), "Research report: empirical test of an EDI adoption model", Information System Research, Vol. 12 No. 3, pp. 304-321.
12. Daniel, E. (1999), "Provision of electronic banking in the UK and the Republic of Ireland", International journal of Bank Marketing, Vol. 17 No. 2, pp. 72-82.
13. Davis, F.D. (1989), "Perceived usefulness, perceived ease of use and user acceptance of online banking", MIS Quarterly, Vol. 13 No. 3, pp. 319-340.
14. Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. (1989), "User acceptance of computer technology: a comparison of two theoretical models", Management Science, Vol. 35 No. 8, pp. 982-1003.
15. Ekin, S. and Polaoglu, V.N. (2001), "An empirical investigation of the Turkish consumer's acceptance of internet banking services", International Journal of Bank Marketing, Vol. 19 No. 4, pp. 156-165.
16. Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research, Addison-Wesley, Reading, MA.
17. Gikandi, J.W. and Bloor, C. (2010), "Adoption and effectiveness of electronic banking in Kenya", Electronic Commerce Research and Applications, Vol. 9 No. 4, pp. 277-282.
18. Hair, F.J., Black, W., Babin, B., and Anderson, R. (2010), Multivariate Data Analysis: A Global Perspective, Pearson Education, NJ.
19. Hernández, B., Jimenéz, J. and Martín, M.J. (2008), "Extending the technology acceptance model to include the IT decision-maker: a study of business management software", Technovation, Vol. 28 No. 3, pp. 112-121.
20. Internet World Stats (2012), "India: internet usage and telecommunications report", available at: www.internetworldstats.com/asia.htm#in (accessed 12 November 2012).
21. Kannabiran, G. and Narayan, P.C. (2005), "Deploying internet banking and e-commerce - case study of a private-sector bank in India", Information Technology for Development, Vol. 11 No. 4, pp. 363-379.
22. Karjaluoto, H., Mattila, M. and Pento, T. (2002), "Factors underlying attitude formation towards online banking in Finland", International Journal of Bank Marketing, Vol. 20 No. 6, pp. 261-272.
23. King, W.R. and He, J. (2006), "A meta-analysis of the technology acceptance model", Information & Management, Vol. 43 No. 6, pp. 740-755.
24. Klopping, I.M. and McKinney, E. (2004), "Extending the technology acceptance model and the task-technology fit model to consumer e-commerce", Information Technology, Learning, and Performance Journal, Vol. 22 No. 1, pp. 35-48.
25. Kuisma, T., Laukkanen, T. and Hiltunen, M. (2007), "Mapping the reasons for resistance to internet banking: a means-end approach", International Journal of Information Management, Vol. 27, pp. 75-85.
26. Lai, V.S. and Li, H. (2005), "Technology acceptance model for internet banking: an invariance analysis", Information & Management, Vol. 42 No. 2, pp. 373-386.
27. Lam, K. and Pant, J. (2011), "The changing face of Asian personal financial services", McKinsey Quarterly, available at: www.mckinseyquarterly.com (accessed 6 March 2013).
28. Lee, M.C. (2009), "Factors influencing the adoption of internet banking: an integration of TAM and TPB with perceived risk and perceived benefit", Electronic Commerce Research and Applications, Vol. 8 No. 3, pp. 130-141.
29. Legris, P., Ingham, J. and Collerette, P. (2003), "Why do people use information technology? A critical review of the technology acceptance model", Information and Management Journal, Vol. 40 No. 3, pp. 191-204.
30. Malhotra, P. and Singh, B. (2006), "The impact of internet banking on bank's performance: the Indian experience", South Asian Journal ofManagement, Vol. 13 No. 4, pp. 25-54.
31. Mols, N. (2000), "The internet and service marketing: the case of Danish retail banking", Internet Research: Electronic Networking Applications and Policy, Vol. 10 No. 1, pp. 7-18.
32. Moon, J. and Kim, Y. (2001), "Extending the TAM for a World-Wide-Web context", Information and Management, Vol. 38 No. 4, pp. 217-230.
33. Nunnally, J.C. (1978), Psychometric Theory-Vol2, McGraw-Hill, New York, NY.
34. Pikkarainen, T., Pijjarainen, K., Karjaluoto, H. and Pahnila, S. (2004), "Consumer acceptance of online banking: an extension of the technology acceptance model", Internet Research, Vol. 14 No. 3, pp. 234-235.
35. Pillai, A. and Mukherjee, J. (2011), "User acceptance of hedonic versus utilitarian social networking web sites", Journal ofIndian Business Research, Vol. 3 No. 3, pp. 180-191.
36. Ramsey, J. and Smith, M. (1999), "Managing customer channel usage in the Australian banking sector", Managerial AuditingJournal, Vol. 14 No. 7, pp. 329-338.
37. Riffai, M.M.M.A., Grant, B. and Edgar, D. (2011), "Big TAM in Oman: exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman", International Journal ofInformation Management, Vol. 32 No. 3, pp. 239-250.
38. Rishi, M. and Saxena, C.S. (2004), "Technological innovations in the Indian banking industry: the late bloomer", Accounting, Business and Financial History, Vol. 14 No. 3, pp. 339-353.
39. Sathye, M. (1999), "Adoption of internet banking by Australian consumer: an empirical investigation", International Journal ofBank Marketing, Vol. 17 No. 7, pp. 324-334.
40. Swanson, E.B. (1974), "Management information system: appreciation and involvement", Management Science, Vol. 21 No. 2, pp. 178-188.
41. Thornton, J. and White, L. (2001), "Customer orientation and usage of financial distribution channels", Journal ofServices Marketing, Vol. 15 No. 3, pp. 168-185.
42. Venkatesh, V. and Morris, M.G. (2000), "Why do not 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.
43. Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), "User acceptance of information technology: towards a unified view", MIS Quarterly, Vol. 27 No. 3, pp. 425-478.
44. Venkatesh, V., Davis, F.D. and Morris, M.G. (2007), "Dead or alive? The development, trajectory and future of technology adoption research", Journal ofthe association for information systems, Vol. 8 No. 4, pp. 267-286.
45. Wang, Y.S., Wang, Y.M., Lin, H.H. and Tang, I. (2003), "Determinants of user acceptance of internet banking: an empirical study", International Journal of Service Industry Management, Vol. 14 No. 5, pp. 501-519.