Abstract
The study examines the role of environmental, behavioral and technological variables in predicting customer behavioral intentions to adopt the Bank of Uganda Internet Banking System (BBS Connect) by integrating three existing frameworks of Task Technology Fit (TTF), Unified Theory of Acceptance & Use of Technology (UTAUT) and Initial Trust Model (ITM). In doing so, the study follows a comprehensive approach to address Internet banking adoption intention. Partial Least Squares (PLS) Structural Equation Modelling is used to analyze the data collected from BBS Connect users. From the empirical findings, we are able to establish the significant contribution of technology characteristics and task characteristics in facilitating TTF. Initial trust was found to be facilitated by structural assurance and not by familiarity with the Bank of Uganda. The statistical results support the significant association of initial trust, performance expectancy and social influence with behavioral intentions to adopt BBS Connect. The approach used in the study incorporates three well established theories of technology acceptance. This results in a high explanatory power of our research model at 73.2% of behavioural intention to adopt the BBS Connect System. We provide theoretical and practical implications that are useful for Internet banking in Uganda and Africa at large.
Highlights
The Bank of Uganda (BOU) plays among its other core mandates a crucial role in stabilizing the economy by providing safe and efficient online platforms for transmitting payments for goods and services
Initial trust was found to be facilitated by structural assurance and not by familiarity with the Bank of Uganda
This study explores the adoption intention of Bank of Uganda Banking System (BBS) Connect Internet banking system in Uganda by integrating the Initial Trust Model (ITM) suggested by Gefen et al (2003), the UTAUT suggested by Venkatesh et al (2003), and the Task Technology Fit (TTF) model suggested by Goodhue and Thompson (1995)
Summary
The Bank of Uganda (BOU) plays among its other core mandates a crucial role in stabilizing the economy by providing safe and efficient online platforms for transmitting payments for goods and services. None of the above models independently incorporates the different dimensions of antecedents to using technology, namely: technology based characteristics; social influences; and individual or user attributes Based on this background it is prudent to combine various theoretical models to study adoption intentions towards new technologies (Afshan & Sharif, 2016; Williams et al, 2009; Zhou et al, 2010; Oliveira et al, 2014). Oliveira et al (2014) and Afshan & Sharif (2016) recommend the integration of the Unified Theory of Acceptance and Usage of Technology (UTAUT) with the Initial Trust Model (ITM) and the Task Technology Fit (TTF) model in order to understand technology acceptance The latter scholars argue that the combination provides an improved and better understanding of behavioral intentions. This will be of relevance to Internet banking in Uganda and Africa at large
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