Adoption of internet banking: proposition and implementation of an integrated methodology approach

Purpose – This study proposes a new method to investigate adoption of new technologies and tests this method by looking into the determinants of internet banking adoption in Brazil.Design/methodology/approach – A total of 600 respondents living in one of the biggest cities in Brazil were sampled for interviewing: 300 were internet bank users, 150 were internet but not internet bank users, and 150 were neither internet nor internet bank users.Findings – The adjusted coefficient of determination in the multiple linear regression equation (dependent variable: intention to use/continue to use IB) was 60 percent and the main effects of the eight variables proved significant (relative advantage of control, compatibility with lifestyle, image, subjective norm, self‐efficacy, relative advantage of security and privacy, results demonstrability, and trialability). The McFaden pseudo coefficient of determination in the multinomial logistic regression equation (dependent variable: a dummy variable for each of the thr...

[1]  Eun-Ju Lee,et al.  Segmenting the non‐adopter category in the diffusion of internet banking , 2005 .

[2]  Vicki G. Morwitz,et al.  Do Intentions Really Predict Behavior? Self-Generated Validity Effects in Survey Research , 2005 .

[3]  Kent Eriksson,et al.  Customer acceptance of internet banking in Estonia , 2005 .

[4]  Heikki Karjaluoto,et al.  Consumer acceptance of online banking: an extension of the technology acceptance model , 2004, Internet Res..

[5]  J. Kolodinsky,et al.  The adoption of electronic banking technologies by US consumers , 2004 .

[6]  S. Akinci,et al.  Adoption of Internet banking among sophisticated consumer segments in an advanced developing country , 2004 .

[7]  Yi-Shun Wang,et al.  DETERMINANTS OF USER ACCEPTANCE OF INTERNET BANKING: AN EMPIRICAL STUDY , 2003 .

[8]  Gordon B. Davis,et al.  User Acceptance of Information Technology: Toward a Unified View , 2003, MIS Q..

[9]  Yoonhee Tina Chang.  Dynamics of banking technology adoption: an application to internet banking , 2003 .

[10]  Vincent S. Lai,et al.  An Empirical Investigation of the Determinants of User Acceptance of Internet Banking , 2003, J. Organ. Comput. Electron. Commer..

[11]  M Fishbein,et al.  Can we explain why some people do and some people do not act on their intentions? , 2003, Psychology, health & medicine.

[12]  S. Stashevsky,et al.  Perceived risks as barriers to Internet and e‐commerce usage , 2002 .

[13]  Ingoo Han,et al.  Effect of trust on customer acceptance of Internet banking , 2002, Electron. Commer. Res. Appl..

[14]  P. Hewer,et al.  Consumer attitude and the usage and adoption of home‐based banking in the United Kingdom , 2002 .

[15]  Kar Yan Tam,et al.  Determinants of User Acceptance of Digital Libraries: An Empirical Examination of Individual Differences and System Characteristics , 2002, J. Manag. Inf. Syst..

[16]  Wynne W. Chin,et al.  Intention does not always Matter: The Contingent Role of Habit in IT Usage Behaviour , 2001, ECIS.

[17]  Jim Crimmins,et al.  Better Measurement and Management of Brand Value , 2000, Journal of Advertising Research.

[18]  Margaret Tan,et al.  Factors Influencing the Adoption of Internet Banking , 2000, J. Assoc. Inf. Syst..

[19]  Fred D. Davis,et al.  A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies , 2000, Management Science.

[20]  Peter A. Todd,et al.  Understanding Information Technology Usage: A Test of Competing Models , 1995, Inf. Syst. Res..

[21]  Deborah Compeau,et al.  Computer Self-Efficacy: Development of a Measure and Initial Test , 1995, MIS Q..

[22]  Peter A. Todd,et al.  Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication , 1992, MIS Q..

[23]  Robert F. DeVellis,et al.  Scale Development: Theory and Applications. , 1992 .

[24]  Kieran Mathieson,et al.  Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior , 1991, Inf. Syst. Res..

[25]  Izak Benbasat,et al.  Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation , 1991, Inf. Syst. Res..

[26]  Fred D. Davis.  Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology , 1989, MIS Q..

[27]  Icek Ajzen,et al.  From Intentions to Actions: A Theory of Planned Behavior , 1985 .

[28]  L. G. Tornatzky,et al.  Innovation characteristics and innovation adoption-implementation: A meta-analysis of findings , 1982, IEEE Transactions on Engineering Management.

[29]  R. Sitgreaves.  Psychometric theory (2nd ed.). , 1979 .

[30]  J. Nunnally.  Psychometric Theory (2nd ed), New York: McGraw-Hill. , 1978 .

[31]  I. Ajzen,et al.  Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research , 1977 .

[32]  J. Hair.  Multivariate data analysis , 1972 .

[33]  E. Rogers,et al.  Diffusion of Innovations , 1964 .