A STRUCTURAL EQUATION MODELING OF INTERNET BANKING USAGE IN MALAYSIA

sentosa, Ilham and Bambang , Bemby Soebyakto and Chee Wei Ming, Chee Wei Ming and Kamaria, Nik Kamaria Nik Mai (2012) A STRUCTURAL EQUATION MODELING OF INTERNET BANKING USAGE IN MALAYSIA. Journal of Art Science & Commerce, 3 (1). pp. 75-86. ISSN 2223-4686, 2231-4172

[img]
Preview
PDF
Download (763Kb) | Preview
    [img]
    Preview
    PDF
    Download (206Kb) | Preview

      Abstract

      Internet banking is a contemporary trend amongst financial services worldwide. However, the level of acceptance among consumers is unknown. This study intends to examine the determinants of internet usage intention in banks using Technology Acceptance Model (TAM) and exploring the mediating effect of perceived usefulness, perceived ease of use and perceived credibility on the relationship between self-efficacy and intention. The exogenous variable is self- efficacy and the mediators are perceived ease of use, perceived usefulness and perceived credibility while endogenous variables is intention of banking internet usage. Using structural equation modeling (SEM) analysis method, the results show that self-efficacy has significant and positive direct impact on perceived usefulness, perceived ease of use and perceived credibility while two variables perceived usefulness and perceived ease of use have direct significant positive influence on intention. Perceived credibility has a insignificant direct impact intention of internet banking usage. Perceived usefulness and perceived ease of use are partial mediators while perceived credibility is a full mediator. In general the use of TAM in internet banking usage intention is substantiated in this study

      Item Type: Article
      Uncontrolled Keywords: Internet Banking; Technology Acceptance Model, Structural Equation Modeling
      Subjects: H Social Sciences > HE Transportation and Communications
      H Social Sciences > HF Commerce
      Divisions: Faculty of Economics
      Depositing User: Muchtar Indana
      Date Deposited: 27 Aug 2015 09:16
      Last Modified: 27 Aug 2015 09:16
      URI: http://eprints.unsri.ac.id/id/eprint/5808

      Actions (login required)

      View Item