Understanding internet banking adoption and use behavior : a Hong Kong perspective

Siu Cheung CHAN, Ming Te LU

Research output: Journal PublicationsJournal Article (refereed)Researchpeer-review

268 Citations (Scopus)

Abstract

This study investigates adoption/use behavior within the context of Hong Kong Internet Banking services. A research framework based on the extended Technology Acceptance Model (TAM2) and Social Cognitive Theory is developed to identify factors that would influence the adoption and continue use of Internet Banking. Structural Equation Modeling (SEM) is employed to examine the entire pattern of inter-correlations among the eight proposed constructs, and to test related propositions empirically. A survey involving a total of 499 university students is conducted and confirmatory factor analysis used to determine the measurement efficacies. The results reveal that both subjective norm and computer self-efficacy indirectly play significant roles in influencing the intention to adopt Internet Banking. Perceived ease of use has a significant indirect effect on intention to adopt/use through perceived usefulness, while its direct effect on intention to adopt is not significant.
Original languageEnglish
Pages (from-to)21-43
Number of pages23
JournalJournal of Global Information Management
Volume12
Issue number3
DOIs
Publication statusPublished - 1 Jul 2004

Fingerprint

Internet
Factor analysis
Students
Internet banking
Hong Kong
Factors
Structural equation modeling
Technology acceptance model
Social cognitive theory
Direct effect
Intention to use
Perceived ease of use
Indirect effects
Perceived usefulness
Confirmatory factor analysis
Banking services
Computer self-efficacy
Efficacy
Subjective norm

Cite this

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Understanding internet banking adoption and use behavior : a Hong Kong perspective. / CHAN, Siu Cheung; LU, Ming Te.

In: Journal of Global Information Management, Vol. 12, No. 3, 01.07.2004, p. 21-43.

Research output: Journal PublicationsJournal Article (refereed)Researchpeer-review

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