Article ID | Journal | Published Year | Pages | File Type |
---|---|---|---|---|
1025633 | International Journal of Information Management | 2014 | 13 Pages |
Abstract
Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users' perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking.
Keywords
Related Topics
Social Sciences and Humanities
Business, Management and Accounting
Management Information Systems
Authors
Carolina Martins, Tiago Oliveira, AleÅ¡ PopoviÄ,