Abstract
In the past, the conventional concentration of Internet banking (IB) research has been on technology development, but this is now shifting to user-focused research. It has been suggested that potential users of IB services in Malaysia may not adopt the system even if they are available, due to their perceptions of this application and their level of confidence in using it to solve their banking needs. This study therefore employs the extended technology acceptance model as the theoretical framework for assessing the influences of perceived usefulness, perceived ease of use, perceived reliability, and computer self-efficacy on IB adoption in Malaysia. This study scrutinizes the moderation effect of computer self-efficacy on perceptions–intention relationships. Based on data from a sample of 133 Internet-using bank customers collected through a field survey, it was found that perceived usefulness and perceived ease of use were strong determinants of behavioral intention to adopt IB, while perceived reliability has no direct relationship with intention. Computer self-efficacy significantly moderates the relationship of perceived usefulness and perceived ease of use with intention.
This is a preview of subscription content, log in via an institution to check access.
Similar content being viewed by others
References
Adams A, Sasse MA (1999) Privacy issues in ubiquitous multimedia environments: wake sleeping dogs, or let them lie? Proceedings of Interact ‘99, IFIP TC 13 international conference on human–computer interaction, Edinburgh, pp 214–221
Adams D, Nelson RR, Todd P (1992) Perceived usefulness, ease of use, and usage of information technology: a replication. MIS Q 16(2):227–248
Agarwal R, Prasad J (1997) The role of innovation characteristics and perceived voluntariness in the acceptance of information technologies. Decis Sci 28:557–582
Agarwal R, Prasad J (1999) Are individual differences germane to the acceptance of new information technologies? Decis Sci 30(2):361–391
Agarwal R, Sambamurthy V, Stair RM (2000) Research report: the evolving relationship between general and specific computer self-efficacy––an empirical assessment. Inf Syst Res 11(4):418–430
Ajzen I (1985) From intentions to actions: a theory of planner behaviour. In: Kuhl J, Beckmann J (eds) Action control: from cognition to behavior. Springer, New York, pp 11–39
Ajzen I (1991) The theory of planned behavior. Organizational Behav Hum Decision Processes 50:179–211
Ajzen I, Fishbein M (1980) Understanding attitudes and predicting social behavior. Prentice-Hall, Englewood Cliffs
ASLI (2002) Sharpening competitiveness and innovation: recent developments in the Malaysian Financial Sector. Asian Strategy and Leadership Institute (ASLI), Kuala Lumpur
Carlson L, Grossbart S, Tripp C (1990) An investigation of mothers’ communication orientation and patterns. Adv Consumer Res 17:840–872
Chang TY (2003) Dynamics of banking technology adoption: an application to Internet banking. Department of Economics, University of Warwick
Chin WC, Todd PA (1995) On the use, usefulness and ease of use of structural equation modelling in MIS research: a note of caution. MIS Q 19(2):237–246
Compeau DR, Higgins CA (1995) Computer self-efficacy: development of a measure and initial test. MIS Q 19(2):189–211
Compeau DR, Higgins CA, Huff S (1999) Social cognitive theory and individual reactions to computing technology: a longitudinal study. MIS Q 23(2):145–158
Davis FD (1989) Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Q 13(3):319–339
Davis FD, Bagozzi RP, Warshaw PR (1989) User acceptance of computer technology: comparison of two theoretical models. Manag Sci 35(8):982–1003
Doll WJ, Henddrickson A, Deng X (1998) Using Davis’s perceived usefulness and ease-of-use instruments for decision making: a confirmation and multi-group invariance analysis. Decis Sci 29(4):839–869
Fishbein M, Ajzen I (1975) Belief, attitude, intention and behavior: an introduction to theory and research. Addison-Wesley, Reading
Hair JF, Anderson RE, Tatham RL, Black WC (1998) Multivariate data analysis with readings. Macmillan, New York
Hoffman DL, Novak TP, Peralta M (1999) Building consumer trust online. Commun ACM 42(4):80–85
Hong W, Thong JYL, Wong WM, Tam KY (2001) Determinants of user acceptance of digital libraries: an empirical examination of individual differences and system characteristics. J Manag Inf Syst 18(3):97–124
Hoppe R, Newman P, Mugera P (2001) Factors affecting adoption of Internet banking in South Africa: a comparative study. University of Cape Town, South Africa
Igbaria M, Livari J (1995) The effects of self-efficacy on computer usage. Omega 23(6):587–605
Johnson RD, Marakas GM (2000) Research report: the role of behaviour modelling in computer skills acquisition––toward refinement of the model. Inf Syst Res 11(4):402–417
Karem K (2003) Adoption of electronic banking: underlying consumer behavior and critical success factors, case of Estonia. Tallinn Technical University
Karvonen K (1999) Enhancing trust online. Proceedings of the second international workshop on philosophy of design and information technology (PhDIT ‘99). St Ferrol, Toulouse, France, pp 57–64
Mathieson K (1991) Predicting user intentions: comparing the technology acceptance model with the theory of planned behaviour. Inf Syst Res 2(3):173–191
Moore GC, Benbasat I (1991) Development of instrument to measure the perceptions of adopting an information technology innovation. Inf Syst Res 2(3):192–222
Moschis GP, Moore RL (1979) Family communication and consumer socialization. Adv Consumer Res 6:359–363
Ndubisi NO (2004) Are perceptions of service quality predictors of behavioural intentions? The Banking Industry Perspective. J Commercial Banking Finance 3(1/2):25–38
Ndubisi NO, Gupta OK, Massoud S (2003) Organizational learning and vendor support quality by the usage of application software packages: a study of Asian entrepreneurs. J Syst Sci Syst Eng 12(3):314–331
Ndubisi NO, Gupta OK, Ndubisi GC (2005) The Moguls’ model of computing: integrating the moderating impact of users’ persona into the Technology Acceptance Model. J Global Inf Technol Manag 8(1):27–47
Richardson S, Nudubisi NO (2003) Strategic-level systems in decision-making by entrepreneurs: the antecedents of systems usage. J Business Dev Nat 7:75–110
Rogers EM (1983) Diffusion of innovations. Free Press, New York
Sathye M (1999) Adoption of Internet banking by Australian consumers: an empirical investigation. Int J Bank Market 17(7):324–334
Segars AH, Grover V (1993) Re-examining perceived ease of use and usefulness: a confirmatory factor analysis. MIS Q 17:517–725
Tan M, Te Teo SH (2000) Factors influencing the adoption of Internet banking. J Assoc Inf Syst 1(5):1–44
Taylor S, Todd PA (1995) Understanding information technology usage: a test of competing models. Inf Syst Res 6(2):144–176
Thompson RL, Higgins C, Howell JM (1991) Personal computing: toward a conceptual model of utilization. MIS Q 15(1):125–143
Venkatesh V (2000) Determinants of perceived ease of use: integrating control, intrinsic motivation and emotion into the technology acceptance model. Inf Syst Res 11(4):342–365
Venkatesh V, Davis FD (1996) A model of the antecedents of perceived ease of use: development and test. Decis Sci 27(3):451–481
Wang YS, Wang YM, Lin HH, Tang TI (2003) Determinants of user acceptance of internet banking: an empirical study. Int J Serv Ind Manag 14(5):501–519
Warrington TB, Abgrab NJ, Caldwell HM (2000) Building trust to develop competitive advantage in e-business relationships. Competitiveness Rev 10(2):160–168
Author information
Authors and Affiliations
Corresponding author
Rights and permissions
About this article
Cite this article
Ndubisi, N.O. Customers’ perceptions and intention to adopt Internet banking: the moderation effect of computer self-efficacy. AI & Soc 21, 315–327 (2007). https://doi.org/10.1007/s00146-006-0062-5
Received:
Accepted:
Published:
Issue Date:
DOI: https://doi.org/10.1007/s00146-006-0062-5