Abstract
Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of online banking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers. To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that perceived ease of use, perceived usefulness, attitude towards use, government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future.
Highlights
It is not something new to the use of information technology (IT) applications by companies to develop their organizational outcomes
It is observed from the table 5 that Perceived Ease of Use (PEU) related hypotheses (H1, H2, and H3), Perceived Usefulness (PU) (H4, H5), PEU to ATU (H6), PU towards ATU(H7), GS to ATU (H8), GS to risk (H9), ATU to IU(H11) and IU to IC (H12) were both statistically significant which were matched with the results of the studies of
The relationship between risk and intention to (H10) were found to be insignificant and negative relationship which contradict with the results of (Sathye, 1999; Siddik et al, 2016a) The main cause of this negative relationship may be due to the low security system of the banking arena with low monitoring and high security measures taken by the authority
Summary
It is not something new to the use of information technology (IT) applications by companies to develop their organizational outcomes. (Ibrahim Essam, 2006; Lee, 2005) have pointed out that it is needed to do more research for assessing the impact of electronic-services on the performance of that services and behavioral intention to use By considering these situations more advanced analysis is required to better understanding of the behavioral intention of OBA enthusiastically. In the context of a developing economy the study would enhance the existing theory-based OBA studies and reveals the key factors that influence the intention and continue to use these services. It is one of the leading work spreading out the TAM model by incorporating two constructs, risk and government support, the model built in this study represents a substantial enhancement for TAM.
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