Non-Probabilistic Approach to e-Banking Adoption: The Moderating Impact of Trialability

Abstract

The purpose of this study is to assess the factors influencing the adoption of e-banking in a developing country and to explore the moderating effects of trialability on the relationship between behavioural intention and the actual use of e-banking services. The study has employed the convenience and cross-sectional data collection approach in three of the 16 regions in Ghana. Data was collected from 568 respondents through an online survey. The Partial Least Square-Structural Equation Modelling (PLS-SEM) was used to analyse the data. The findings indicate that performance expectancy, effort expectancy, social influence and facilitating conditions positively and significantly influence the intention to adopt e-banking. The structural path analysis also showed that trialability positively and significantly moderates the relationship between behavioural intention and actual use of e-banking platforms. This research fills the existing gap in the e-banking literature by integrating trialability into the Unified Theory of Acceptance and Use of Technology (UTAUT) model to assess its moderating impact on the relationship between behavioural intention and actual e-banking adoption in a developing country.