Abstract
The main objective of this study is to find the factors that motivate customers to adopt Internet banking services. It is concerned with an empirical investigation of individual factor technology that could predict successful IBSA. Survey method is used questionnaires are administered on 535 persons in public university staffs already using internet banking services. The findings reveal that individual factors technology is high significant (IFT). It shows four significant relationships between Internet technology literacy toward internet banking adoption (β=.466, T=5.672, P<.000); Resistance to change toward internet banking adoption(β= -0.118T=2.262, P<.024); Risk of technology toward internet banking adoption (β=-O.125,T=3.838, P<.000) and Anxiety of technology toward internet banking adoption (β=-0.172, T=4..821, P<0.000). The results are discussed in the context of internet banking adoption / actual usage. Index Terms- Individual factors technology, Internet technology literacy, SEM DOI : 10.7176/EJBM/11-36-01 Publication date: December 31 st 2019
Highlights
In the recent time, the rapid diffusion of internet has brought a radical change in delivery of financial services
partial least-squares (PLS) SEM is a relatively new analytical technique being used by the contemporary researchers
This study provides empirical evidence that internet technology literacy significantly influences the adoption of internet banking and which makes H1 to be accepted
Summary
The rapid diffusion of internet has brought a radical change in delivery of financial services. Empirical research has shown that countries with well-developed financial systems often grow very fast This is obvious as resources that are prudently and effectively distributed by the financial system can boost economic growth; increase rate of production, give equal opportunity, and decrease rate of poverty (World Bank, 2012; Alsabaah 2014; CBI, 2012). It is very essential for job creation, encourage foreign and local investment, and accelerate technology sector development which can lead to economic growth and development (Report of U.S.A. Agency for International Development, 2009)
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