Investigating customers’ decision to accept e-banking services

E-banking has been defined as providing banks' customers with banking services through a variety of tools except the banks' branches. Nowadays, e-banking services in Iran are being offered through A.T.Ms, telephone banks and in some banks, Internet banks. Understanding and perceiving the individuals' intention to use these electronic services and the drives and motivations which cause the intention to use it can help banks and other kinds of financial institutions in setting the appropriate marketing strategies for e-banking services. In this research, a model has been offered based on theory of planned behavior (TPB) by using some other previous research findings, and it has studied to evaluate the intention toward the electronic banking acceptance in well-developed financial city. In this study, it has been cleared that the relationships that have been found are relatively justified partially by theory of planned behavior. Other study results can be useful for strategic planning of IT in banking.

[1]  C. Oppenheim,et al.  Online strategy analysis in the Chinese banking sector , 1994 .

[2]  Paul Jen-Hwa Hu,et al.  Investigating healthcare professionals' decisions to accept telemedicine technology: an empirical test of competing theories , 2002, Inf. Manag..

[3]  Huaiqing Wang,et al.  The adoption of virtual banking: an empirical study , 1999 .

[4]  Paul Jen-Hwa Hu,et al.  Information Technology Acceptance by Individual Professionals: A Model Comparison Approach , 2001, Decis. Sci..

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

[6]  I. Ajzen The theory of planned behavior , 1991 .

[7]  A. Bandura Social Foundations of Thought and Action: A Social Cognitive Theory , 1985 .

[8]  I. Ajzen,et al.  Prediction of goal directed behaviour: Attitudes, intentions and perceived behavioural control , 1986 .

[9]  I. Ajzen Nature and operation of attitudes. , 2001, Annual review of psychology.

[10]  Margôt Kuttschreuter,et al.  Perceived usefulness, personal experiences, risk perception and trust as determinants of adoption of e-government services in The Netherlands , 2007, Comput. Hum. Behav..

[11]  Shin-Yuan Hung,et al.  Determinants of user acceptance of the e-Government services: The case of online tax filing and payment system , 2006, Gov. Inf. Q..

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

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

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

[15]  Anol Bhattacherjee,et al.  Acceptance of e-commerce services: the case of electronic brokerages , 2000, IEEE Trans. Syst. Man Cybern. Part A.

[16]  Venkatesh,et al.  A Longitudinal Field Investigation of Gender Differences in Individual Technology Adoption Decision-Making Processes. , 2000, Organizational behavior and human decision processes.

[17]  Harry C. Benham,et al.  Information technology adoption: evidence from a voice mail introduction , 1996, CPRS.