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- Title
Using Technology Acceptance Model to Adopt Intelligent Banking.
- Authors
Ganciu, Mihaela-Rodica; Niculescu, Andrei
- Abstract
This paper analyses the impact constructs of the adoption of intelligent banking among Romanian consumers, the correlation between them and also, demographic factors will be taken into account (age and gender). The main basis for this study is the extended Technology Acceptance Model (TAM), mainly aimed at the study of information systems adoption. George, an application from Romanian Commercial Bank, the first smart banking, is a new highway to make banking: totally intelligent and digital. Based on empirical research, using a technology rating model was developed a modified TAM for consumer acceptance of Internet Banking. There are two important factors in TAM: Perceived Ease of Use (PEoU) and Perceived Usefulness (PU), which are of particular importance to the attitude towards the use of a new technology or information system through the behavioural intention to use. For the verification of variables' correlation, it was applied Structural Equations Model, adapting to the questioned sample. Results and conclusions are partly supported by the developed hypotheses, presented after the reliability test (calculating Cronbach's Alpha). The significant effect that influences the attitude toward using George is made up of behavioural intention to use, perceived usefulness and the perceived risk towards intelligent banking.
- Subjects
TECHNOLOGY Acceptance Model; ONLINE banking; STRUCTURAL equation modeling; CRONBACH'S alpha; BANKING industry
- Publication
FAIMA Business & Management Journal, 2019, Vol 7, Issue 4, p13
- ISSN
2344-4088
- Publication type
Article