Title: Computer self-efficacy levels, perceptions and adoption of online banking

Authors: Petrus Guriting, Gibson Chunwen, N.N.O. Ndu

Addresses: K.K.I.P. SDN. BHD, First Floor, Amenity Centre, 88460 Kota Kinabalu Industrial Park, Kota Kinabalu, Sabah, Malaysia. ' Independent Researchers, Market Centric Limited, Island Glades, 11700 Gelugor, Penang, Malaysia. ' Independent Researchers, Market Centric Limited, Island Glades, 11700 Gelugor, Penang, Malaysia

Abstract: This research examines the role of Computer Self-Efficacy (CSE) at three distinct levels of user perceptions (low, mid and high) and the adoption of online banking. The study employs the extended Technology-Acceptance Model (TAM) as the theoretical framework. Based on the data from a sample of 133 customers collected through a field survey, it was found that perceived usefulness and perceived ease of use were strong determinants of the behavioural intention to adopt internet banking. CSE was more important at low and mid levels of user-perceived usefulness and ease of use than at high level of perception. Implications of the findings are discussed.

Keywords: computer self-efficacy; CSE; internet banking; online banking; technology acceptance model; TAM; perceived ease of use; perceived reliability; perceived usefulness; Malaysia; e-banking; electronic banking; user perception.

DOI: 10.1504/IJSTM.2007.012218

International Journal of Services Technology and Management, 2007 Vol.8 No.1, pp.54 - 61

Available online: 29 Jan 2007 *

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