Title: Online banking information systems acceptance: a structural equation modelling analysis

Authors: Fida Hussain Chandio; Muhammad Sharif Abbasi; Hyder Ali Nizamani; Qurat Ul Ain Nizamani

Addresses: Institute of Mathematics and Computer Science, Sindh University, Jamshoro, Sindh, 76080, Pakistan ' Public Administration, Sindh University, Jamshoro, Sindh, 76080, Pakistan ' Institute of Mathematics and Computer Science, Sindh University, Jamshoro, Sindh, 76080, Pakistan ' Institute of Mathematics and Computer Science, Sindh University, Jamshoro, Sindh, 76080, Pakistan

Abstract: Extending research on the technology acceptance model (TAM), this paper develops an extended model of TAM, which besides TAM's original predictors of perceived usefulness (PU) and perceived ease of use (PEOU), includes trust (TR) as an additional belief factor to predict the behavioural intention (BI) to use an online banking information system (OBIS). The model was tested on a sample of 353 internet users in Pakistan. Using structural equation modelling with AMOS data analysis showed that all the proposed paths were significant and the model explained 44.7% of the variance in BI. As per expectation, highly significant paths were observed between the additional new factor of trust and the PU, followed by PU and BI. These findings suggest that inclusion of an additional factor within TAM extends its capability and validity to predict the individual's acceptance behaviour towards OBIS.

Keywords: online banking; banking information systems; OBISs; IT acceptance; trust; internet banking; e-banking; electronic banking; information technology; technology acceptance model; TAM; structural equation modelling; behavioural intention; perceived usefulness; perceived ease of use; Pakistan.

DOI: 10.1504/IJBIS.2013.052050

International Journal of Business Information Systems, 2013 Vol.12 No.2, pp.177 - 193

Available online: 11 Feb 2013 *

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