Use Of Internet Banking Research Articles

Does The Banking Information System Affect Customer Satisfaction and Loyalty?

This research examines customer satisfaction and loyalty in Islamic banking in the use of internet banking. The research was conducted based on the increase in e-banking users in Islamic banking in Indonesia. E-banking is one of the banking information system services needed today. The research method was carried out using the method of Structural Equation Modeling (SEM) through AMOS and SPSS software. Meanwhile, data collection is carried out through an online survey via a google form. The online survey found 154 respondents of which 27% were from Central Java Province and 47% from the Special Region of Yogyakarta with simple random analysis sample analysis. This study shows that internet banking adoption has a significant effect on customers in Islamic banking, while satisfaction is very large in mediating the relationship between internet banking use and customer loyalty in Islamic banking. Theoretically, this study implies that the banking information system, especially in internet banking, plays an important role in providing service and satisfaction and has a significant effect on customer loyalty.

The Factors Affecting the Adoption of Online Banking Services by Civil Servants in Cameroon

Factors affecting the adoption of online banking services by civil servants in Cameroon was examined in this survey. Raw data were gotten through questionnaire which was distributed mostly among the civil servant in Douala of Cameroon. The analyses used in this survey were crosstabs test, descriptive analysis, factor analysis, correlation test, and regression test. The findings revealed that awareness factor has a positive and significant effect on online banking, security & trust assurance showed a negative and insignificant effect on online banking service, innovative factor displayed a negative and insignificant effect on online banking service, and customer service assurance revealed positive but has insignificant impact on online banking service. It was concluded that internet banking is difficult to understand and its time consuming among many of the users and internet fraud discourages the use of internet banking in Cameroon. Additionally, the dissemination of information through the internet is not mostly secure and efficient.

UNDERSTANDING INTERNET BANKING USE IN BANGLADESH: THE ROLE OF INTERNET BANKING APPS, CUSTOMERS’ PERCEPTIONS AND GREEN CONCERN

The purpose of this study is to examine the effects of Internet banking apps, perceived usefulness, perceived security, perceived ease of use and green concern on Internet banking use. A self-ordered questionnaire was developed and administered to a simple random sample of 300 students, job holders, businessmen and housewives. Factor analysis, Pearson correlation and Multiple regression analysis were used to analyze data. The findings of this research indicated that all factors namely Internet banking apps, perceived usefulness, perceived security, perceived ease of use and green concern have significant impact on Internet banking use. More specifically, Internet banking apps and perceived usefulness have more influence on Internet banking use. As this study introduced relatively two new factors namely Internet banking apps and green concern in the context of Internet banking, further investigation of these two factors in different settings seems worthwhile. However, this study confirms the importance of these factors in using Internet banking in Bangladesh and also provides insights for bankers to understand the interest of consumer on Internet banking use.

Digital Inclusion and the Elderly: The Case of Internet Banking Use and Non-Use among older Adults in Ekiti State, Nigeria

Digital Inclusion and the Elderly: The Case of Internet Banking Use and Non-Use among older Adults in Ekiti State, Nigeria

Finansal Okuryazarlık: Muhasebe ve Finansman Eğitimi Alan Öğrencilere Yönelik Bir Araştırma (Financial Literacy: A Research for Students Taking Accounting and Finance Education)

Purpose – This research was carried out to determine whether there is a significant difference between the selected variables and the financial literacy levels of students studying at associate and undergraduate level and to determine the financial literacy success levels of the students. Design/methodology/approach – The universe of the research consists of undergraduate and graduate students who received accounting and finance education at Kayseri University Social Sciences Vocational School and Faculty of Applied Sciences. In this study, descriptive survey model, one of the quantitative research methods, was used. Among non-random sampling methods, a questionnaire was applied to 219 students with quota sampling method. SPSS 23.0, a statistical program, was used to analyze the collected data. T-Test and (ANOVA) one-way analysis of variance were applied to the normally distributed data . Cronbach Alpha test was conducted for the reliability of the survey. Findings – As a result of the analysis, it was determined that there was no statistically significant difference between the financial literacy levels of the students according to their credit card usage status. However, it has been determined that there is a statistically significant difference between financial literacy levels according to the use of internet banking. When students were evaluated on the basis of department and class, it was found that there was a significant difference between the average correct answers of the questions they answered and their financial literacy levels. Discussion – As a result of the study, the lack of a statistically significant difference between credit card use and financial literacy levels reveals that students do not consciously use the credit cards, one of the financial instruments. But the delartments in which finance-related courses are mainly given and the increase in the level of the class have contributed positively to the increase in the level of students' financial literacy levels

The Moderating Effect of Individual Differences on the Acceptance and Use of Internet Banking

This research examines factors influencing the acceptance of internet banking (IB) in Lebanon. It extends the unified theory of acceptance and use of technology (UTAUT) model by including trust as a proxy and then investigates the moderating effect of a set of socio-demographic variables (gender, age, experience) in shaping consumer perceptions towards using IB. A cross-sectional survey was used to collect data from 408 IB consumers in Lebanon. Structural equation modelling was employed as the main method of analysis. The results show that behavioral intention (BI) was significantly influenced by performance expectancy (PE), social influence (SI), trust (TRU) and effort expectancy (EE) in their order of influencing power. Moreover, facilitating conditions (FC) and BI significantly influenced use behavior (UB). Gender moderated the relationship between PE_BI and SI_BI, age moderated the relationship between PE_BI, EE_BI, and FC_UB, and experience moderated the relationship between EE_BI and SI_BI. The theoretical and practical implications are discussed at the end of the article.

Cyber Crime analysis on Social Media

Cyber Crime is a crime which is difficult to detect and stop once occurred leave a long term effect on victims. Cyber Crime is increasing day by day due to over use of social media, online shopping, and internet banking which need sensitive financial and personal data.The development in emerging internet technology and its wide spread knowledge leads to security issues, cyber crime, internet hackers and intruders. The charm of internet enhances the network structure that construct vast online theft, fraud are called as cyber attacks or cyber crime. In order to keep ourselves free from cyber crime we need to know how to protect ourselves from cyber crime. In this paper we propose different mode of cybercrime and the types of its illegal activities over the internet. Either national or international cybercrime is creating huge negative impacts over society. By focusing on various techniques we examine the cybercrime web data due to social media. Social networking websites are used as a medium of interaction and communication among all the people across the world. Due to over use and lack of awareness leads to increase the cyber crimes by several aspects.

Use and Non-Use of Internet Banking Among Elderly People in Nigeria

Existing research in electronic banking has not deeply investigated the determinants of use and non-use of Internet Banking (IB) among the older adults who have been found to exhibit reluctance in using ICT. This study, therefore, investigates the factors that influence use and not use IB among elderly people in the Ibadan metropolis, Nigeria. Survey research design was adopted. Findings indicate that, in addition to the TRA (attitude and subjective norms) and TAM (perceived usefulness and perceived ease of use) variables, trust, self-efficacy, security and facilitating conditions are the factors the elderly population consider in choosing to use or not using IB. Findings also reveal that the non-users have the intention of using IB in the future, while the users have the intention of continuing using IB. This study is novel in the sense that no known study have investigated use and non-use of IB among the elderly in Nigeria in a single study. The paper could assist policymakers in promoting and implementing policies that would ensure the financial inclusion of the elderly and reduce the digital divide between this group and the younger ones.
 Int. J. Soc. Sc. Manage. Vol. 7, Issue-2: 42-54

Health Consumers' Daily Habit of Internet Banking Use as a Proxy for Understanding Health Information Sharing Behavior: Quasi-Experimental Approach.

BackgroundAs the US health care system is embracing data-driven care, personal health information (PHI) has become a valuable resource for various health care stakeholders. In particularly, health consumers are expected to autonomously manage and share PHI with their health care partners. To date, there have been mixed views on the factors influencing individuals’ health data–sharing behaviors.ObjectiveThis study aimed to identify a key factor to better understand health information sharing behavior from a health consumer’s perspective. We focused on daily settings, wherein health data–sharing behavior becomes a part of individuals’ daily information management activities. Considering the similarity between health and finance information management, we explicitly examined whether health consumers’ daily habit of similar data sharing from the financial domain affects their PHI-sharing behaviors in various scenarios.MethodsA Web-based survey was administered to US health consumers who have access to and experience in using the internet. We collected individual health consumers’ intention to share PHI under varying contexts, habit of financial information management (operationalized as internet banking [IB] use in this paper), and the demographic information from the cross-sectional Web-based survey. To isolate the effect of daily IB on PHI-sharing behaviors in everyday contexts, propensity score matching was used to estimate the average treatment effect (ATE) and average treatment effect on the treated (ATET) regarding IB use. We balanced the treatment and control groups using caliper matching based on the observed confounding variables (ie, gender, income, health status, and access to primary care provider), all of which resulted in a minimal level of bias between unmatched and matched samples (bias <5%).ResultsA total of 339 responses were obtained from a cross-sectional Web-based survey. The ATET results showed that in terms of sharing contents, those who used IB daily were more likely to share general information (P=.01), current information (P=.003), and entire data (P=.04). Regarding occasions for sharing occasions, IB users were prone to share their information in all cases (P=.02). With regard to sharing recipients, daily IB users were more willing to share their personal health data with stakeholders who were not directly involved in their care, such as health administrators (P=.05). These results were qualitatively similar to the ATE results.ConclusionsThis study examined whether daily management of similar information (ie, personal financial information) changes health consumers’ PHI-sharing behavior under varying sharing conditions. We demonstrated that daily financial information management can encourage health information sharing to a much broader extent, in several instances, and with many stakeholders. We call for more attention to this unobserved daily habit driven by the use of various nonhealth technologies, all of which can implicitly affect patterns and the extent of individuals’ PHI-sharing behaviors.

Factors Affecting the Internet Banking Adoption

Internet banking is a beneficial service; it is less costly, offers the flexibility of time and space, and have excellent customer service. The commercial banks of Mongolia are offering internet banking to its customers to capitalize on its advantages. However, these services remain underutilized by their customers. The factors affecting the use of internet banking in Mongolia remain unknown. This study has integrated the E-service-quality model with the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) to investigate the factors affecting the use of internet banking services offered by the commercial banks in Mongolia. The data was collected through the survey method. Structured Equation Modeling (SEM) was used for the analysis. The results indicate that the E-service quality model is effective and robust. The hypotheses were supported by the data. Attitude, subjective norm, perceived behavioral control, perceived usefulness, and E-service quality were found to be the factors that affect customer’s intentions to use internet banking in Mongolia. In the end, the future recommendations, limitations, and implications of the research are discussed.

Analysis Acceptance of Use Internet Banking and Mobile Banking, Case Study: Standart Application in XYZ Company

Financial Technology (Fintech) is a technology that connects financial sector and user. Fintech is solution for problem that exist in society that is user those who live far from city to be able access transact financially by making non-cash transactions. This non-cash transactions are important component in world economy and also one of the program that Bank Indonesia wants to improve. This study will be analysed what factors that influence customer behavior in acceptance of using Internet Banking and Mobile banking for transactions using the Technology Acceptance Model. In this study, the author takes a case study at standart Internet Banking and Mobile Banking developed by XYZ Company and the scope population of the sample collection is one of the Banks in Bandung that has used the application developed by XYZ Company. This research uses Partial Least Square Structural Equation Modeling (PLS-SEM) method in analyzing. The results obtained are the most significant factors on customer acceptance use of Internet Banking and Mobile Banking applications for transactions is the subjective norm, experience, result demonstrability, perceived enjoyment, computer playfulness, computer self-efficacy, perception of external control, perceived usefulness, perceived ease of use, behavioral intention, dan use behavior

Internet banking in Ukraine is an innovative development of the banking sector

The use of Internet banking by Ukrainian banks has been explored in the article. The online banking market research in the field of Internet banking is relevant, because this area of the modern banking world is considered to be promising and innovative. The state of the Ukrainian Internet banking market has been researched: the number of banking institutions that use Internet banking, the list of services offered on-line, the quality level of these services and the operation of the system as a whole, target groups of consumers. Banking organizations give customers the choice of access to various types of online services, the most popular of which is remote service today. The future prospects and directions of further development of Internet banking in Ukraine have been analyzed and concluded in this article. The range of questions connected with the distance banking services and the forms of distance banking services have been determined. The development of remote banking services is having an ever-increasing impact on existing legal norms of banking services, forcing them to adapt to new technological conditions for the provision of banking services. Automation of the bank’s ongoing work by serving legal entities and individuals reduces its internal costs and improves the quality of customer and partner services. Thus, Internet banking is strategic for any bank because, ultimately, the indicators determine its competitive position in the financial services market. Internet banking has become a part of everyday life of Ukrainians and Internet banking is well-implemented in Ukraine and real-time instant payments are established. The prognosis of the development of Internet banking is quite optimistic. The May-future plans translate all the services provided by the bank into the online process and this should provide a great alternative to a visit to the bank branch without a queue. Already, it is advisable for a virtual bank to serve clients from any region, in Ukraine, such has been in existence for two years, "Monobank". Internet banking is a promising and fast-growing segment in the banking segment.

Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

Internet banking experience varies across different situations in various countries and, in turn, generate dissimilar attitudes and behaviours of banking customers. One region that is experiencing difficulties related to Internet banking and where bank managers remain unsuccessful in persuading bank customers to adopt Internet banking is Iraqi Kurdistan Region (IKR). To enhance the extant knowledge of the reasons behind this issue, the current research focused on identifying the determinants of Internet banking adoption in IKR and sought to investigate the effect of benefit factors (perceived usefulness, perceived ease of use, and perceived system quality) and sacrifice factors (perceived cost and perceived risk) on behavioural intention to use and, in turn, actual use of internet banking in IKR. To achieve this aim, this research conceptualized a model inspired by Technology Acceptance Model (TAM). The study conducted a quantitative approach and used a self-administrated questionnaire as the research instrument. Data were collected from 412 respondents. Structural Equations Modelling (SEM) was applied as the suitable inferential analytical method for analysing the data. The results generated revealed the significant role of perceived usefulness, perceived ease of use, perceived system quality and perceived risk on behavioural intention to use Internet banking. This research theoretically and practically contributed to knowledge through clarifying the perception of bank customers toward adopting Internet banking in IKR and revealing the importance of benefit and sacrifice factors in explaining behavioural intention to use Internet banking. Keywords: Benefit Factors, Sacrifice Factors, Internet Banking Adoption.

Remote electronic voting: search for legislative formalization

Рассматривается правое регулирование проводимого в качестве эксперимента в единый день голосования 8 сентября 2019 г. дистанционного электронного голосования. Раскрывается концепция эксперимента, его процедурные и технологические особенности. Отмечается, что мировой опыт проведения аналогичной процедуры показывает противоречивые результаты, но в перспективе вряд ли можно отказаться от технологий, способствующих демократизации избирательного процесса. Утверждается, что эксперимент по проведению в России дистанционного электронного голосования будет способствовать развитию избирательного процесса.

A posteriori segmentation of elderly internet users: applying PLS-POS

Purpose The purpose of this paper is to propose the study of the adoption and use of e-banking by adults over the age of 50, from the theoretical framework based on the unified theory of acceptance and use of technology. Design/methodology/approach After proving the validity of the model, the authors analyse the heterogeneity of these persons by using a structural model-based latent class segmentation called partial least squares prediction-oriented segmentation. Findings The results enable the identifying of four segments with different behaviours with respect to this electronic service. As implications of the results obtained, it is observed how sociodemographic characteristics do not explain their differences. However, the psychographic as well as the cognitive age, self-confidence and audacity are discriminating and explanatory criteria for the behaviour of the four segments. Originality/value From the academic point of view, this paper offers important contributions to the prior literature. First, although there is an extensive literature on the use of internet banking, the authors have nevertheless found a clear lack of research studies related to the specific group of older adults. There are not many works that exclusively deal with the elderly’s acceptation and use of technologies, and even less so in the case of internet banking services. Also, if the elderly are focussed, then it is discovered that there is a socially shared stereotype that sees them as inexpert and cut off from technology. This is, however, an unfair view that conceals a broad diversity of behaviours as has been proved for the different segments found.

소비자의 인터넷 뱅킹 이용 경험과 이용 수준에 영향을 미치는 요인 :Pc뱅킹과 스마트폰 뱅킹의 비교를 중심으로 (Study on the Factors Affecting Korean Consumers’ Internet Banking Adoption and Use Behavior: Differences between PC Banking and Smartphone Banking)

Korean Abstract: 소비자금융 채널의 중심이 오프라인에서 온라인으로 이동하고 있는 현 상황을 고려할 때, 인터넷뱅킹 이용에 영향을 미치는 소비자의 특성을 실증분석을 통해 확인할 필요가 있다. 본 연구는 한국소비자원이 2017년 조사한 자료를 사용하여, 인터넷뱅킹 이용 경험 유무와 인터넷뱅킹 이용 수준에 영향을 미치는 요인을 분석하였다. 분석 결과에 의하면 첫째, 인터넷뱅킹 이용 경험이 있는 사람의 특성은 고용상태(직업 있음), 연령(-), 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+), 지각된 위험수준(-)과 밀접한 관련이 있었으며, 둘째, PC 기반의 인터넷뱅킹 경험유무과 스마트폰 기반의 인터넷뱅킹 경험유무에 각각 영향을 미치는 요인을 비교해 보았을 때, PC 기반의 인터넷뱅킹 경험 가능성에 영향을 미치는 변수는 성별(남성), 연령(-), 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+)과 관련이 있었으며, 스마트폰 기반의 인터넷뱅킹 경험 가능성에 영향을 미치는 변수는 인터넷뱅킹에 대한 자기효능감(+)이었다. 셋째, PC 기반의 인터넷뱅킹 이용 수준에 영향을 미치는 변수와 스마트폰 기반의 인터넷뱅킹 이용 수준에 영향을 미치는 변수를 각각 분석하여 비교한 결과, 영향을 미치는 변수가 동일하였으며, 직업유무(+), 연령(-)과 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+)이 PC 및 스마트폰 기반의 인터넷뱅킹 이용 수준에 공통적으로 영향을 미치는 것으로 나타났다. 결론적으로, 향후 인터넷뱅킹의 세대 및 소득계층 간의 활용성 격차가 현재의 양극화 현상을 심화시킬 가능성에 대한 논의와 그에 대한 대책 방안을 모색하는 것이 필요하다고 하겠다. English Abstract: Although the channel of consumer finance has been moving from offline to online since the early 2000s, a few consumers are still unfamiliar with Internet banking services. This study examined the factors affecting Korean consumers’ Internet banking adoption and use behavior, focusing on the differences between PC banking and smartphone banking. The data used in this study was collected by the Korea Consumer Agency during November 2017, and the sample frame included consumers with various age groups, ranging from their 20s to 80s. The major results of this study are follows. First, consumers who were employed, aged in their 20s to 40s, earned monthly household income over 2,500 thousand won, high in the level of self-efficacy, and low in the level of perceived risk were more likely to use Internet banking services. Second, the consumers’ level of self-efficacy was a common factor for enhancing the likelihood of experiencing a PC-based Internet banking service, as well as the smartphone-based Internet banking service. Third, consumers who were unemployed, aged in their 50s to 60s, and low in the level of self-efficacy were less likely to use Internet banking services frequently. Fourth, consumers those who were unemployed, aged in their 50s to 60s, and low in the level of self-efficacy, were more likely to have a higher number of consumer- finance related mobile applications in their smartphones. Based on the above findings, potential problems can occur in the future with respect to the different levels of Internet banking use behavior, as well as its adoption. To reduce the gap between the high-use group and low-use group, provisions of the consumer education program, specifically targeting the improvement of self-efficacy, are required for relatively vulnerable consumers in terms of the generation and income level.

소비자의 인터넷 뱅킹 이용 경험과 이용 수준에 영향을 미치는 요인: PC뱅킹과 스마트폰 뱅킹의 비교를 중심으로

소비자금융 채널의 중심이 오프라인에서 온라인으로 이동하고 있는 현 상황을 고려할때, 인터넷뱅킹 이용에 영향을 미치는 소비자의 특성을 실증분석을 통해 확인할 필요가 있다. 본 연구는 한국소비자원이 2017년 조사한 자료를 사용하여, 인터넷뱅킹 이용 경험유무와 인터넷뱅킹 이용 수준에 영향을 미치는 요인을 분석하였다. 분석 결과에 의하면 첫째, 인터넷뱅킹 이용 경험이 있는 사람의 특성은 고용상태(직업 있음), 연령(-), 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+), 지각된 위험수준(-)과 밀접한 관련이 있었으며, 둘째, PC 기반의 인터넷뱅킹 경험유무과 스마트폰 기반의 인터넷뱅킹 경험유무에 각각 영향을 미치는 요인을 비교해 보았을 때, PC 기반의 인터넷뱅킹 경험 가능성에 영향을 미치는 변수는 성별(남성), 연령(-), 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+)과 관련이 있었으며, 스마트폰 기반의 인터넷뱅킹 경험 가능성에 영향을 미치는 변수는 인터넷뱅킹에 대한 자기효능감(+)이었다. 셋째, PC 기반의 인터넷뱅킹 이용 수준에 영향을 미치는 변수와 스마트폰 기반의 인터넷뱅킹 이용 수준에 영향을 미치는 변수를 각각 분석하여 비교한 결과, 영향을 미치는 변수가 동일하였으며, 직업유무(+), 연령(-)과 소득수준(+), 인터넷뱅킹에 대한 자기효능감(+)이 PC 및 스마트폰 기반의 인터넷뱅킹 이용 수준에 공통적으로 영향을 미치는 것으로 나타났다. 결론적으로, 향후 인터넷뱅킹의 세대 및 소득계층 간의 활용성 격차가 현재의 양극화 현상을 심화시킬 가능성에 대한 논의와 그에 대한 대책 방안을 모색하는 것이 필요하다고 하겠다.

ANTECEDENTS AND CONSEQUENCES OF CUSTOMER INTENTION TO ADOPT INTERNET BANKING THROUGH GAMIFICATION

Purpose – The purpose of this research is to analyze the influence of gamification in the use of internet banking on the intention of customers to adopt and recommend internet banking towards Compatibility, Innovativeness, Web Design, Web Characteristic, Performance Expectancy, Effort Expectancy . This research will help the Bank to measure the effect of gamification towards their customer to use Internet Banking. So they can innovate their Internet Banking system to be more fun and entertaining, so the customer will feel more enjoy to use and they will recommend to other people. Design/methodology/approach – 192 responses were collected from customers of internet banking user by using an online questionnaire. Using the convenience sampling approach. The collected data was analyzed using SEM with the help of PLS. Findings – The results indicate that intention to adopt internet banking is positively affected by Innovativeness, Web Design Performance Expectancy and Effort Expectancy . While compatibility and web characteristic doesn’t have a positive effect. The moderating effect of gamification suggested that the relationship between customer intention to adopt and customer intention to recommend will make the gamification effect become weak. Practical Implications – The research suggests that web designer and bank management should focus on the website design of the internet banking. Enjoyable internet banking website with reward and point system will help to improve user’s intention to adopt and intention to recommend internet banking with others. So the bank should make an innovative reward system for every transaction in internet banking. Originality/value – This research provide the technology acceptance construct and adding the game elements in technology perspective of internet banking as a moderating effect, to analyze the element effect towards intention to use and intention to recommend.

Integration of DeLone and McLean and self-determination theory in internet banking continuance intention context

Purpose The proliferation of information technology has changed the banking system globally. Internet technology has not only allowed banks to offer products and services but also improved their ability to retain customers. This study aims to examine internet banking user’s continuance intention by integrating two well-known theories DeLone and McLean information system success model (D&amp;M) and self-determination theory (SDT). Design/methodology/approach The research model was tested using survey data from 398 customers of commercial banks. The respondents were internet banking users. Data were analyzed using structural equation modeling. Findings The results revealed that internet banking user continuance intention is jointly determined by information quality (INFQ), service quality, satisfaction, introjected regulation, external regulation, intrinsic regulation and identified regulation. The integrated model explained 75.4 per cent variation in customer’s continuance intention to use internet banking. The results suggested that intrinsic regulation and identified regulation were the most important human motivation factors that drive customer’s intention toward continue use of internet banking. Practical implications The findings imply that managers seeking user satisfaction should focus on INFQ and service quality to enhance user continuance intention. Policymakers should focus on intrinsic and identified regulation of internet banking users. Some of the ways banks can do this is to develop enjoyable internet banking website with kind of reward system, activities that have the charm of novelty, challenge or aesthetic significance will help to improve user’s intention to continue use of internet banking. Originality/value This study contributes to the literature by integrating D&amp;M and SDT in continuance intention and different from several traditional studies that had investigated the initial acceptance of internet banking users.

Structural equation modeling in the acceptance of internet banking in the city of Split

Electronic banking and electronic commerce have lately become an inevitable aspect of financial services. According to data about the percentage of users of Internet banking in Europe, Croatia is at the bottom of the list, with a low number of users. Thus, the question of the acceptance and use of this kind of technology arises. This research uses structural equation modeling to explore whether the motivation for the acceptance and use of Internet banking can be explained by the technology acceptance model (TAM) in the city of Split, Croatia. TAM explains the intent of using information systems through the perceived ease of use and the perceived usefulness of a system. It consists of multiple causal relationships, so structural equation modeling is adequate for hypothesis testing. A survey analysis was designed and applied on a sample of 282 working residents of Split. To make the results more credible, the gender and age structure of the sample was harmonized with the population. It is concluded that both elements of TAM positively influence the acceptance of Internet banking in Split. Since there is not much research on the use of Internet banking in Croatia and Southeast Europe, this research contributes to the poor amount of literature in this scientific area for these countries. The research findings can also help banks to understand the factors of Internet banking acceptance and to develop expansion strategies. Future research could include a cross-country comparison of individuals’ perception about Internet banking, as well as the dependence relationships of TAM factors.