This document summarizes a study examining factors that influence Sudanese bank customers' acceptance of technology-based banking services. The study adapted the Technology Acceptance Model to examine how perceived usefulness, ease of use, credibility, convenience and service quality affect customers' attitudes and intentions to use three technologies: ATMs, mobile banking, and internet banking. Survey results found perceived usefulness and ease of use were key determinants of use. There were some differences in factors between the three technologies, with mobile and internet banking having more similarities. The findings can help banks better design technology-based services for Sudanese customers.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Assessing the Readiness to Adopt E-Learning among Industrial Training Institu...IOSRJBM
E-learning is using computer and Internet to learn part of or full course whether it is in school, college or in any educational training. The use of e-learning has gained momentum in recent years contrasting to the under valuations done in the previous years. This study was undertaken to assess the readiness of the Industrial Training Institute (ITI) students to adopt e-learning platform. The constructs attitude, perceived ease of use, perceived benefits and behavioural intention from Technology Adoption Model are studied to attain the objective. It is a descriptive research and the population used for this study is Industrial Training Institutes (ITI) in Tamil Nadu. The data was collected from sample of 267 students. The findings of the research infer that the ITI students are willing to adopt the e-learning platform.
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
Application of recommendation system with AHP method and sentiment analysisTELKOMNIKA JOURNAL
Over time, people needs are increasing. Needs that must be met, often cause problems in the people in determining a choice. People must make the right choice and according to their needs. Not an easy thing for people to make these choices. Therefore, a recommendation system is needed to support people in making decisions that fit their criteria. This research provides a system that can provide recommendations for decision support people according to their criteria, which are web-based. The decision-making system in this research uses the analytical hierarchy process (AHP) method. AHP is a multi-criteria decision-making method, which in this research one of the criteria is using sentiment analysis. Sentiment analysis is the process of understanding, extracting, and processing textual data to get sentiment information from an opinion sentence. The opinion sentiment value of each alternative will be included in the AHP calculation to get the best alternative recommendations according to the criteria of people. The result of this research is that the system can provide recommendations to people or users according to their criteria and alternatives as well as public opinion about each alternative.
Risks and Trust in Internet Banking: Sample Evidence from Pathanamthitta Dist...IOSR Journals
The marvelous kinds of innovation in technology and hard line blend of it with information technology made a paradigm shift in the banking industry. Technology itself created its world in the globe of human beings. The beginning of E- banking created a phenomenal system- Internet banking. Internet banking is a kind of systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through the Internet. The main objectives of the paper are: 1.to understand the profile of Internet banking users in Pathanamthitta District. 2 .to identify the most widely used application of Internet banking. 3. to understand the influence of gender on various dimensions of risk in the usage of Internet banking. 4. to understand the influence of gender on various dimensions of trust in the usage of Internet banking. It is found that the popular internet banking services are; balance enquiry, followed by recharging mobile phones, banking service information and payment to other account. Most of the users are in the age group of 20-30 either employed or student with a monthly income of below 40,000 with educated with an average or advanced level of computer knowledge. The Chi-square test revealed that there is no statistically significant difference between the opinion of males and females towards risk are found. There is significant difference between males and females towards trust is found.
Assimilation of TTF and UTAUT for Mobile Banking UsageIJAEMSJORNAL
Introduction of mobile banking has enlightened the new ways of business penetration for traditional banks. Over the last two decades, availability of internet and data services massively increased mobile usage which boosted the demand for mobile banking due to its ubiquity and immediacy features. This paper seeks to explore the user perception against mobile banking adoption with technology perspective. The assimilation of “TTF” task-technology fit and “UTAUT” unified theory of acceptance and usage of technology projected a mobile banking adoption model. It further proposed that task-technology fit and customization of technology influences user adoption. This Study came with diversified results of developing country like Pakistan.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Assessing the Readiness to Adopt E-Learning among Industrial Training Institu...IOSRJBM
E-learning is using computer and Internet to learn part of or full course whether it is in school, college or in any educational training. The use of e-learning has gained momentum in recent years contrasting to the under valuations done in the previous years. This study was undertaken to assess the readiness of the Industrial Training Institute (ITI) students to adopt e-learning platform. The constructs attitude, perceived ease of use, perceived benefits and behavioural intention from Technology Adoption Model are studied to attain the objective. It is a descriptive research and the population used for this study is Industrial Training Institutes (ITI) in Tamil Nadu. The data was collected from sample of 267 students. The findings of the research infer that the ITI students are willing to adopt the e-learning platform.
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
Application of recommendation system with AHP method and sentiment analysisTELKOMNIKA JOURNAL
Over time, people needs are increasing. Needs that must be met, often cause problems in the people in determining a choice. People must make the right choice and according to their needs. Not an easy thing for people to make these choices. Therefore, a recommendation system is needed to support people in making decisions that fit their criteria. This research provides a system that can provide recommendations for decision support people according to their criteria, which are web-based. The decision-making system in this research uses the analytical hierarchy process (AHP) method. AHP is a multi-criteria decision-making method, which in this research one of the criteria is using sentiment analysis. Sentiment analysis is the process of understanding, extracting, and processing textual data to get sentiment information from an opinion sentence. The opinion sentiment value of each alternative will be included in the AHP calculation to get the best alternative recommendations according to the criteria of people. The result of this research is that the system can provide recommendations to people or users according to their criteria and alternatives as well as public opinion about each alternative.
Risks and Trust in Internet Banking: Sample Evidence from Pathanamthitta Dist...IOSR Journals
The marvelous kinds of innovation in technology and hard line blend of it with information technology made a paradigm shift in the banking industry. Technology itself created its world in the globe of human beings. The beginning of E- banking created a phenomenal system- Internet banking. Internet banking is a kind of systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through the Internet. The main objectives of the paper are: 1.to understand the profile of Internet banking users in Pathanamthitta District. 2 .to identify the most widely used application of Internet banking. 3. to understand the influence of gender on various dimensions of risk in the usage of Internet banking. 4. to understand the influence of gender on various dimensions of trust in the usage of Internet banking. It is found that the popular internet banking services are; balance enquiry, followed by recharging mobile phones, banking service information and payment to other account. Most of the users are in the age group of 20-30 either employed or student with a monthly income of below 40,000 with educated with an average or advanced level of computer knowledge. The Chi-square test revealed that there is no statistically significant difference between the opinion of males and females towards risk are found. There is significant difference between males and females towards trust is found.
Assimilation of TTF and UTAUT for Mobile Banking UsageIJAEMSJORNAL
Introduction of mobile banking has enlightened the new ways of business penetration for traditional banks. Over the last two decades, availability of internet and data services massively increased mobile usage which boosted the demand for mobile banking due to its ubiquity and immediacy features. This paper seeks to explore the user perception against mobile banking adoption with technology perspective. The assimilation of “TTF” task-technology fit and “UTAUT” unified theory of acceptance and usage of technology projected a mobile banking adoption model. It further proposed that task-technology fit and customization of technology influences user adoption. This Study came with diversified results of developing country like Pakistan.
Investigating a theoretical framework for e-learning technology acceptance IJECEIAES
E-learning has gained recognition and fame in delivering and distributing educational resources, and the same has become possible with the occurrence of Internet and Web technologies. The research seeks to determine the factors that influence students' acceptance of E-learning and to find out the way these factors determine the students' intention to employ E-learning. A theoretical framework was developed based on the technology acceptance model (TAM). To obtain information from the 270 university students who utilized the E-learning system, a questionnaire was formulated. The results revealed that “social influence, perceived enjoyment, self-efficacy, perceived usefulness, and perceived ease of use” are the strongest and most important predictors in the intention of and students towards E-learning systems. The outcomes offer practical implications for practitioners, lawmakers, and developers in effective E-learning systems implementation to improve ongoing interests and activities of university students in a virtual E-learning atmosphere, valuable recommendations for E-learning practices are given by the research findings, and these may turn out to be as guidelines for the efficient design of E-learning systems.
Exploring the Relationship between MIS and Decision-Making Process at Al-Huss...Dr. Amarjeet Singh
This study aims to identify the role of management information systems (MIS) towards decision-making in Al-Hussein Bin Talal University (AHU). To accomplish the objective of the study, the following hypotheses were formulated: There are NO statistically significant differences between MIS and the effectiveness of the decision-making process (DMP) at AHU. There are NO statistically significant differences in the attitudes of employees at AHU on the role of MIS in the effectiveness of (DMP) due to their demographic variables (gender, age, marital status, job experience, and scientific qualification). The study followed the analytical descriptive approach, a questionnaire was designed to collect the data, it was distributed to a sample of (180) managerial and academic staff of decision-makers at AHU with a recovery rate of (89%). The most important results are: There is a statistically significant relationship between MIS and the decision-making process effectiveness in AHU, The results also showed there are statistically significant differences between the role of management information systems in making decisions due to the variables (age, job experience, and scientific qualification). While there are no statistically significant differences of (gender and marital status) variables, the study recommend the need to increase the support of senior management at AHU for users of information systems, the need to provide training and development programs for them and the need to increase attention to MIS through regular maintenance, continuous development, protection of information, and building an integrated electronic system at the level of all Jordanian universities that guarantees participation as well as safe and effective information exchange between them.
Online payment portals are a powerful tool that makes our life simple and gives the luxury to make all required payment transactions around any part of the World. The advancement of internet and logistics systems, now it is possible for anybody to shop any product around the world and get it shipped to his\her. The main objectives are to study the problems faced through the online payment system. To study the factors influencing the online payment system.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
The advancement of the information and communications technology has helped almost all governments across the world as they have exploited these technologies for delivering services to their citizens. However, this phenomenon may face several challenges and barriers that lead to the failure in its adoption, use, or continuous usage. In the Arab countries, the rate of failure in the use of electronic services is high in the public sector. Therefore, previous studies have concentrated on this critical issue and highlighted on the citizens’ perspective andignored the perspective of employees in the government organizations.In addition, very few previous studies dealt with the quality of the services based on the employees’viewpoint. Thus, based on the arguments that have been stated earlier, this preliminary study strives to identify the factors that may affect the electronic administrative adoption according to the employees’ perspective. With regard to the data collection, the quantitative method, self-administered questionnaires will be distributed among the staff of the Al-Mustansiriyah University, Iraq.With regard to data analysis, a partial least squares structural equation modelling will be used as a technique to analyse the collected data from a key respondent (Employee). In fact, this research strivesto enrich the literature by adding more information about the factors that may hinder theadoption of modern technologies in general and electronic administration in particular. With regard to the Al-Mustansiriyah University, the present study is considered as the first study conducted in this area; therefore the outputs will assist the government to remedy these obstacles before beginning any project in the public sector including the use of ICT instead of the conventional manner.The result of the analysis showed that system quality, service quality, trust of organization, and usefulness were found as significant factors that affect the employees’ adoption of e-administration services in University.
Adoption of Mobile Money Services among University Students in TanzaniaIJAEMSJORNAL
The focus of the study was to assess factors influencing adoption of mobile money services among university students in Tanzania. The study adopted a quantitative approach where questionnaire was used to collect data from students of Ruaha Catholic University. Stratified sampling was used to ensure sample representation among students from different faculty and level of education thereafter simple random sampling was used to pick a sample size of 383 of respondents from the strata developed. Exploratory factors analysis was used to ensure construct validity of four construct. Cronbach alpha indicated that all variables had achieved an accepted range of internal consistent by yielding a Cronbach alpha p-value grater that 0.6.Using multiple regression analysis, findings revealed that students’ attitude, social factor and facilitating condition are significant factors influencing university students adoption of mobile money services in Tanzania.Based on these findings this study concludes that students’ attitudes, social pressure and facilitating conditions are factors influencing university students’ adoption of mobile money services in Tanzania higher learning institutions. This study recommend that, for speeding up the adoption of mobile money services, services provider should attract more peer pressure that could help to increase mobile money adoption among university students.
Research on the field of using social media has gained more importance in the recent days due to the rapid development of social media technologies. Looking at the behavioral intention and attitude of using social media for collaborative learning within Malaysian higher educational institutions and the influencing factors in this regard has received little attention by researchers. The study aims at examining the determinants that affect learners’ attitude and behavior intention regarding their use social media to achieve collaborative learning. Such examination is carried out by using the Theory Acceptance Model (TAM) and Unified Theory of Acceptance and Usage of Technology (UTAUT). A total of 243 participants were recruited for this study. The findings indicated that students’ attitudes and behavior are strong indicators of their intentions in terms of using social media in collaborative learning.
University Mobile Enrollment System: A Nigeria Perspectiveiosrjce
IOSR Journal of Computer Engineering (IOSR-JCE) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of computer engineering and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications in computer technology. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
Evaluation of Factors Affecting the Adoption of Smart Buildings Using the Tec...Eswar Publications
Objective: This study aimed to find a solution to the acceptance of smart buildings in Iran using the technology
acceptance model (TAM). The main research question is the significance of this model relationships, as well as the
anticipated adoption of smart buildings in Iran using variables included in the model.
Methods: This descriptive study, is based on survey data collection methods and the way of analyzing data is correlational and casual study. Measurement tool was designed based on the standardized questionnaire presented by Davis. The reliability coefficient was 0.88. Statistical population is unlimited and included citizens of Iran in 1395. The sample consisted of 388 individuals. Given the infinity of society and Cochran formula, 384 individual is sufficient for
this research. This study is a random sampling one that was done in the period of 30 days.
Findings and conclusions: The results revealed that all relationships in the model are significant. And among the
variables of the model, perceived usefulness, the attitude toward using, and features of smart buildings had the most
intense relationship in acceptance this technology. Using regression equations, each of the dependent variables in the
model, is predictable by the independent variables.
Innovation of research: The intensity of relationship between variables in technology acceptance model and impact of each variable in explaining the criterion factor was analyzed.
Research limitations: Many people tend not to complete the questionnaire and some ones answer questions unrealistic. Despite all the explanations to justify the respondents, still there are possible directions in responses.
Practical consequences: Using regression equations obtained in this study, we can predict the criterion variables in the
model of technology adoption.
EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM): A STUDY ON INDIAN INTERNET BA...IAEME Publication
Internet banking plays significant role in the development of banking business in our country. An application of electronic service brings predominant changes in the way of doing banking transactions. In simpler terms, internet banking refers to banking through bank’s website with the help of internet connection. Internet banking provides lot of benefits to the customers as well as the banks. Internet banking provides different kinds of services to the customers in the form checking balances, account statement, pay utility bills etc
Personal innovativeness and facilitating conditions in shaping the outlooks ...IJECEIAES
The study investigated the determinants of m-banking adoption among generation Y (Gen-Y) in Malaysia. The study underpinned the technology acceptance model as the main guideline or a blueprint for analyzing the research model. The study applied a survey research design and investigated structural equation modeling (SEM) under the partial least-square SEM (PLS-SEM) technique using SmartPLS 2.0. A total 358 m-banking users in Malaysia were exerted as respondents who were randomly selected and then investigated. The results of the analysis conducted with PLS-SEM reveal the existence of usage convenience, facilitating conditions, and personal innovation in information technology that has been remarkably influenced by the outlooks that have adopted m-banking in the country of Malaysia. In addition, the usage convenience that has been felt and facilitated by the conditions found can affect the appraised practicality of m-banking remarkably. Finally, the usage convenience of m-banking that is felt among Gen-Y in Malaysia is influenced by the remarkable activation of personal conditions and innovations exerted in information technology.
Investigating a theoretical framework for e-learning technology acceptance IJECEIAES
E-learning has gained recognition and fame in delivering and distributing educational resources, and the same has become possible with the occurrence of Internet and Web technologies. The research seeks to determine the factors that influence students' acceptance of E-learning and to find out the way these factors determine the students' intention to employ E-learning. A theoretical framework was developed based on the technology acceptance model (TAM). To obtain information from the 270 university students who utilized the E-learning system, a questionnaire was formulated. The results revealed that “social influence, perceived enjoyment, self-efficacy, perceived usefulness, and perceived ease of use” are the strongest and most important predictors in the intention of and students towards E-learning systems. The outcomes offer practical implications for practitioners, lawmakers, and developers in effective E-learning systems implementation to improve ongoing interests and activities of university students in a virtual E-learning atmosphere, valuable recommendations for E-learning practices are given by the research findings, and these may turn out to be as guidelines for the efficient design of E-learning systems.
Exploring the Relationship between MIS and Decision-Making Process at Al-Huss...Dr. Amarjeet Singh
This study aims to identify the role of management information systems (MIS) towards decision-making in Al-Hussein Bin Talal University (AHU). To accomplish the objective of the study, the following hypotheses were formulated: There are NO statistically significant differences between MIS and the effectiveness of the decision-making process (DMP) at AHU. There are NO statistically significant differences in the attitudes of employees at AHU on the role of MIS in the effectiveness of (DMP) due to their demographic variables (gender, age, marital status, job experience, and scientific qualification). The study followed the analytical descriptive approach, a questionnaire was designed to collect the data, it was distributed to a sample of (180) managerial and academic staff of decision-makers at AHU with a recovery rate of (89%). The most important results are: There is a statistically significant relationship between MIS and the decision-making process effectiveness in AHU, The results also showed there are statistically significant differences between the role of management information systems in making decisions due to the variables (age, job experience, and scientific qualification). While there are no statistically significant differences of (gender and marital status) variables, the study recommend the need to increase the support of senior management at AHU for users of information systems, the need to provide training and development programs for them and the need to increase attention to MIS through regular maintenance, continuous development, protection of information, and building an integrated electronic system at the level of all Jordanian universities that guarantees participation as well as safe and effective information exchange between them.
Online payment portals are a powerful tool that makes our life simple and gives the luxury to make all required payment transactions around any part of the World. The advancement of internet and logistics systems, now it is possible for anybody to shop any product around the world and get it shipped to his\her. The main objectives are to study the problems faced through the online payment system. To study the factors influencing the online payment system.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
The advancement of the information and communications technology has helped almost all governments across the world as they have exploited these technologies for delivering services to their citizens. However, this phenomenon may face several challenges and barriers that lead to the failure in its adoption, use, or continuous usage. In the Arab countries, the rate of failure in the use of electronic services is high in the public sector. Therefore, previous studies have concentrated on this critical issue and highlighted on the citizens’ perspective andignored the perspective of employees in the government organizations.In addition, very few previous studies dealt with the quality of the services based on the employees’viewpoint. Thus, based on the arguments that have been stated earlier, this preliminary study strives to identify the factors that may affect the electronic administrative adoption according to the employees’ perspective. With regard to the data collection, the quantitative method, self-administered questionnaires will be distributed among the staff of the Al-Mustansiriyah University, Iraq.With regard to data analysis, a partial least squares structural equation modelling will be used as a technique to analyse the collected data from a key respondent (Employee). In fact, this research strivesto enrich the literature by adding more information about the factors that may hinder theadoption of modern technologies in general and electronic administration in particular. With regard to the Al-Mustansiriyah University, the present study is considered as the first study conducted in this area; therefore the outputs will assist the government to remedy these obstacles before beginning any project in the public sector including the use of ICT instead of the conventional manner.The result of the analysis showed that system quality, service quality, trust of organization, and usefulness were found as significant factors that affect the employees’ adoption of e-administration services in University.
Adoption of Mobile Money Services among University Students in TanzaniaIJAEMSJORNAL
The focus of the study was to assess factors influencing adoption of mobile money services among university students in Tanzania. The study adopted a quantitative approach where questionnaire was used to collect data from students of Ruaha Catholic University. Stratified sampling was used to ensure sample representation among students from different faculty and level of education thereafter simple random sampling was used to pick a sample size of 383 of respondents from the strata developed. Exploratory factors analysis was used to ensure construct validity of four construct. Cronbach alpha indicated that all variables had achieved an accepted range of internal consistent by yielding a Cronbach alpha p-value grater that 0.6.Using multiple regression analysis, findings revealed that students’ attitude, social factor and facilitating condition are significant factors influencing university students adoption of mobile money services in Tanzania.Based on these findings this study concludes that students’ attitudes, social pressure and facilitating conditions are factors influencing university students’ adoption of mobile money services in Tanzania higher learning institutions. This study recommend that, for speeding up the adoption of mobile money services, services provider should attract more peer pressure that could help to increase mobile money adoption among university students.
Research on the field of using social media has gained more importance in the recent days due to the rapid development of social media technologies. Looking at the behavioral intention and attitude of using social media for collaborative learning within Malaysian higher educational institutions and the influencing factors in this regard has received little attention by researchers. The study aims at examining the determinants that affect learners’ attitude and behavior intention regarding their use social media to achieve collaborative learning. Such examination is carried out by using the Theory Acceptance Model (TAM) and Unified Theory of Acceptance and Usage of Technology (UTAUT). A total of 243 participants were recruited for this study. The findings indicated that students’ attitudes and behavior are strong indicators of their intentions in terms of using social media in collaborative learning.
University Mobile Enrollment System: A Nigeria Perspectiveiosrjce
IOSR Journal of Computer Engineering (IOSR-JCE) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of computer engineering and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications in computer technology. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
Evaluation of Factors Affecting the Adoption of Smart Buildings Using the Tec...Eswar Publications
Objective: This study aimed to find a solution to the acceptance of smart buildings in Iran using the technology
acceptance model (TAM). The main research question is the significance of this model relationships, as well as the
anticipated adoption of smart buildings in Iran using variables included in the model.
Methods: This descriptive study, is based on survey data collection methods and the way of analyzing data is correlational and casual study. Measurement tool was designed based on the standardized questionnaire presented by Davis. The reliability coefficient was 0.88. Statistical population is unlimited and included citizens of Iran in 1395. The sample consisted of 388 individuals. Given the infinity of society and Cochran formula, 384 individual is sufficient for
this research. This study is a random sampling one that was done in the period of 30 days.
Findings and conclusions: The results revealed that all relationships in the model are significant. And among the
variables of the model, perceived usefulness, the attitude toward using, and features of smart buildings had the most
intense relationship in acceptance this technology. Using regression equations, each of the dependent variables in the
model, is predictable by the independent variables.
Innovation of research: The intensity of relationship between variables in technology acceptance model and impact of each variable in explaining the criterion factor was analyzed.
Research limitations: Many people tend not to complete the questionnaire and some ones answer questions unrealistic. Despite all the explanations to justify the respondents, still there are possible directions in responses.
Practical consequences: Using regression equations obtained in this study, we can predict the criterion variables in the
model of technology adoption.
EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM): A STUDY ON INDIAN INTERNET BA...IAEME Publication
Internet banking plays significant role in the development of banking business in our country. An application of electronic service brings predominant changes in the way of doing banking transactions. In simpler terms, internet banking refers to banking through bank’s website with the help of internet connection. Internet banking provides lot of benefits to the customers as well as the banks. Internet banking provides different kinds of services to the customers in the form checking balances, account statement, pay utility bills etc
Personal innovativeness and facilitating conditions in shaping the outlooks ...IJECEIAES
The study investigated the determinants of m-banking adoption among generation Y (Gen-Y) in Malaysia. The study underpinned the technology acceptance model as the main guideline or a blueprint for analyzing the research model. The study applied a survey research design and investigated structural equation modeling (SEM) under the partial least-square SEM (PLS-SEM) technique using SmartPLS 2.0. A total 358 m-banking users in Malaysia were exerted as respondents who were randomly selected and then investigated. The results of the analysis conducted with PLS-SEM reveal the existence of usage convenience, facilitating conditions, and personal innovation in information technology that has been remarkably influenced by the outlooks that have adopted m-banking in the country of Malaysia. In addition, the usage convenience that has been felt and facilitated by the conditions found can affect the appraised practicality of m-banking remarkably. Finally, the usage convenience of m-banking that is felt among Gen-Y in Malaysia is influenced by the remarkable activation of personal conditions and innovations exerted in information technology.
Top Cited Articles International Journal of Managing Information Technology (...IJMIT JOURNAL
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Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
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n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
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work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
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banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
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from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
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Customers Perception on Prior Knowledge of Technology and Its Effect on Usage...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers perceptions have an effect on usage of internet banking. Prior knowledge of technology was forund to have an impediment in using internet banking by customers. Not all customers are well versed in using systems used in accessing internet banking- both software and hard ware.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
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Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
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Consumers’ Attitude towards e- banking Services in Islamic Banks
1. Consumers’ Attitude towards E-Banking
Services in Islamic Banks:
The Case of Sudan
Dr. Ilham Hassan F. Mansour
Prof. Dr. Abuzar M. A. Eljelly
Prof. Dr. Abdelgadir M. A. Abdalla
The University of Khartoum:
Humanities and Educational Studies Conference- 2013
2. Classical vs. Technology based Banking
* Active vs. Passive Banking
* Added technology risk
* High Uncertainty
*During the last five years or so almost all banks in Sudan
embraced the new technology and started gradually to
offer technology based services to their customers.
* The banking sector drive towards technology might
have been dictated in part as an effort to put up with
global standards.
* Other possible reasons may include cost reduction, the
entrance of foreign banks into the Sudanese market and
the increased competition among banks.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
3. Acceptance: Not the technology itself
* It is not the technology but its acceptance, use,
and adoption by bank customers which is important
* So it is the purpose of this study to examine and
identify the factors that influence Sudanese bank
customers’ acceptance of technology-based
banking.
* The identification of such factors is very important
for bank regulators, bank marketers and banks
customers’ base.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
4. Possible Acceptance Factors
* Meuter and Bitner (1998) lists some reasons behind
customers possible acceptance of new technologies, such
as:
- time and cost savings
- greater control over the service delivery,
- reduced waiting time, and
- a higher perceived level of customization,
- flexibility,
- enhancement of the bank’s reputation, and
- reaching new segments of the population. Other cited
supporting factors include convenience of location, and
enjoyment and fun (see Curran and Meuter, 2005, Sathye
1999, Brogdon, 1999)
The University of Khartoum: Humanities and Educational Studies Conference- 2013
5. Other Factors
- Trust : Khalil and Pearson (2007) in Malaysia.
- ease of use, time saving and convenience are
driving factors to use ATMs, while network and
system security were major concerns of users
Aderonke and Ayo (2010) in Ingeria.
Technological aspects and It employees skills are
paramount concerns.
Salhieh et al (2011) in Jordan.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
6. - TAM ability to predict customers’ intention to
use banking technology in Sudan.
- The study found that demographics such as
age, income, education and bank treatment
period have no effect on customers’ intention
to use bank
The University of Khartoum: Humanities and Educational Studies Conference- 2013
7. TAM model
• The technology acceptance model (TAM), developed by Davis (1989), is one
of the most widely applied models used to explain the individual’s
acceptance of information systems.
• The TAM is an information systems (IS) theory adapted from the theory of
reasoned action (TRA), which was specifically designed for modeling
acceptance of information systems by potential users.
• The primary purpose of the TAM is to predict IS/IT acceptance and diagnose
design problems before users actually use new systems. Therefore, the TAM
has been widely used for the purpose of predicting, explaining and increasing
the understanding of user acceptance of information systems in various
fields.
• TAM has more clear focus on the IT/IS usage. The TAM has been extensively
used solely for the purpose of predicting, explaining and increasing the
understanding regarding individual’s acceptance of technology in variety of
fields.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
8. - The TAM uses TRA to specify causal linkage between two relevant sets of constructs,
perceived usefulness and perceived ease of use, user attitude towards using,behavioral
intention and actual usage behavior.
- In order to gain more understanding on consumer adoption of electronic banking services,
the model shown below (Figure 1) was adapted from the literature namely, Guriting and
Nelson (2006), Pikkarainenet al. (2004), Wang et al. (2003), Venkatesh (2000) and Davis (1989)
who propose five antecedents beliefs as predictors of consumers intention to use electronic
banking services which is PU, PEOU and two more added variables perceived credibility and
convenience and service quality
• Perceived Usefulness
• Perceived Ease of Use
• Perceived Credibility
• Convenience
• Behavioral Intension
• Service quality
• Attitude towards e-banking
The University of Khartoum: Humanities and Educational Studies Conference- 2013
9. Hypotheses of the Study
H1: Perceived usefulness will have a significant
positive effect on consumers’ attitude towards
electronic banking services
H2: Perceived ease of use will have a significant
positive effect on consumers’ attitude towards
electronic banking service
The University of Khartoum: Humanities and Educational Studies Conference- 2013
10. H3: perceived credibility has positive effect on
consumers’ attitude towards electronic banking service
H4: Convenience will have positive significant effect on
consumers’ attitude towards electronic banking service
H5. Service Quality will have a significant positive effect
on consumers’ attitude towards electronic banking
services.
H6. Consumers’ attitude towards e-banking will have a
significant positive effect on users’ intention to use
electronic banking services.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
Hypotheses of the Study
11. Research Methodology
• A survey instrument is used in this study, as a three parts
questionnaire was designed to convey a well written statements
concerning the bank customers state of mind regarding various
aspects of technology- based banking.
• The three parts of the survey describe three banking technologies
namely; Automated Teller Machines (ATM), Mobile banking, and
internet- based banking services.
• The survey is intended to measure the five constructs, perceived
usefulness, and perceived ease of use, Service quality,
convenience, and credibility.
• Three separate but similar versions of the survey were developed,
reflecting the bank customers’ attitude towards the technology
and their intentions regarding each of the three technologies. A
total of 132 questionnaires were distributed and feedback
received, with 14 of the respondents have no bank accounts
The University of Khartoum: Humanities and Educational Studies Conference- 2013
12. The Sample
• The sample is diversified, spanning various age groups, educational levels and
marital status. Table (1) shows the Respondents profiles.
• The respondents were directly asked to answer the section (s) covering the
technology they are familiar with (used).
• A five-point Likert scale with endpoints of 1 (strongly disagree) and 5 (strongly
agree).
• The sample characteristics, which are shown in table (1), reveal that 61% males
while 39% are females.
– 85% are private-sector employees
– 60%, in the age range (26-45)
– 63% singles.
– 98%, university educated at the undergraduate and graduate levels.
– 93% have bank accounts
– 55% maintained their bank accounts for more than two years.
The University of Khartoum: Humanities and Educational Studies Conference- 2013
13. Table (1):
Respondents bank customers’ profile
Parameters Frequency %
Age 18-25
26-35
36-45
45-55
>55
42
50
29
7
4
132
31.8%
37.9
22.0
5.3
3.0
100
Sex Male
Female
81
51
132
61.4
38.6
100
Marital Status Single
Married
Other
83
44
5
132
62.9
33.3
3.8
100
Education Below High School
High School
Graduate
Post Graduate
1
1
50
80
132
0.8
0.8
37.9
60.60
100
Occupation Student
Government Employee
Private sector
Self employed
Worker
20
31
74
7
0
132
15.2
28.5
56.1
5.3
0
100
Income <1000
1000-1999
1999-2999
3000-3999
4000-5000
>5000
28
39
27
12
4
22
132
21.2
29.5
20.5
09.1
03.0
16.7
100
Banking Have bank account
No bank account
123
9
132
93.2
6.8
100
Account maintenance <6 month
6 month – year
Year- 2 years
>2 years
11
12
23
72
14
132
8.3
9.1
17.4
54.5
10.6
100
The University of Khartoum: Humanities and Educational Studies Conference- 2013
14. Table (2):
Bank Technology Factor Loadings
FACT1 FACT2
PU1 .667
PU2 .786
PU3 .786
EOU1 .728
EOU2 .742
EOU3 .712
CON1 .755
SQ1
SQ2
SQ3
CRD1 .871
CRD2 .908
CRD3 .834
CON2 .687
CON3 .634
Cronbach’s Alpha
F test
Significance-p value
% Variance explained
% overall Variance explained
.904
10.325
(.000)
33.196%
.908
10.59
(.000)
18.116%
The University of Khartoum: Humanities and Educational Studies Conference- 2013
(the whole sample, n=194)
15. Table (3):
Sample by Type of Bank Technology
Bank Technology Number of
Respondents
% of overall sample
ATM:
KMO
Bartlett’s test
118
0.798*
694.002
(0.000)*
89.4%
Mobile:
KMO
Bartlett’s test
46
.798
538.35
34.8%
Internet:
KMO
Bartlett’s test
30
.677*
458.92*
22.7%
•The sum exceeds 100% since some respondents use more than one type of bank technology.
•(*) significant at 1% level
The University of Khartoum: Humanities and Educational Studies Conference- 2013
16. Table (4) ANOVA of Constructs by type of technology
(ATM, Mobile, Internet)
construct F Significance
PU1 2.469 .087***
PU2 2.45 .089***
PU3 .862 .424
EOU1 14.37 .000*
EOU2 3.84 .023**
EOU3 7.077 .001*
CRD1 11.162 .000*
CRD2 5.25 .006***
CRD3 4.553 .012**
CON1 6.520 .002*
CON2 3.21 .043**
CON3 3.261 .041**
SQ1 3.044 .050**
SQ2 4.749 .010*
SQ3 .489 .614
(*) Significant at 1% level of significance, (**) Significant at 5% level of significance, (***)Significant at 10% level of significance
The University of Khartoum: Humanities and Educational Studies Conference- 2013
18. Table (6):
ATM Regression
Independent Variable Attitude (ATT) Behavior Intention(BI) Behavior Intention(BI)
Coefficients t-value Coefficients t-value Coefficients t-value
Intercept -.148 .49 .216 .18 1.322 1.336
Benefits and ease .116 9.60* .469 9.74*
Service Quality .072 4.10* .192 2.71*
Credibility -.002 .97 .006 .88
Convenience .186 4.35* .046 .27
ATT .899 11.88*
Adjusted R-square 0.71 .61 .55
F 60.82* 40.51* 141.19*
(*) significant at 1% level
The University of Khartoum: Humanities and Educational Studies Conference- 2013
19. Table (7):
Mobile Extracted Factor Loadings & Statistics
Variables FACT1 FACT2 FACT3
PU1 .786
PU2 .799
PU3 .689
EOU1 .788
EOU2 .753
EOU3 .520
CON1 .768
SQ1 .840
SQ2 .778
SQ3 .775
CRD1 .868
CRD2 .868
CRD3 .887
CON2 .691
CON3 .740
Cronbach’s Alpha
F test
Significance-p value
% Variance explained
% overall Variance explained
.92
11.91
(.000)
33.54%
.85
6.48
(.000)
19.95%
.96
24.82
(.000)
19.43%
72.92%
The University of Khartoum: Humanities and Educational Studies Conference- 2013
20. Table (8): Mobile Regression
Independent
Variable
Attitude (ATT) Behavior Intention(BI) Behavior Intention (BI)
Coefficients t-value Coefficients t-value Coefficients t-value
Intercept 1.01 .69 1.347 .844 2.443 2.15**
Benefits and ease .193 3.15* .274 4.15 *
Service quality .496 2.99* .302 1.69***
Credibility .103 .844 .070 .54
ATT .826 8.26*
Adjusted R-square .55 .493 .62
F 17.17 * 14.61* 68.25 *
•(*) significant at 1% level
•(**) significant at 5% level
•(***) significant at 10% level
The University of Khartoum: Humanities and Educational Studies Conference- 2013
21. Conclusions and Implications of the Study
• The study confirmed previous findings in this area of the paramount importance
of perceived usefulness and ease of use (termed benefits and Ease in this study)
in determining the consumers’ intentions to use bank technologies.
• In this study these factors are common among the three technologies.
• However, the study clearly demonstrated that there are differences among the
three banking technologies that must be considered by Sudanese banks in
designing their growing technology based banking in Sudan.
• Although there are differences among the three technologies, the differences
are minimal between mobile and internet banking. These two technologies have
more in common regarding the customers’ perceptions and intentions.
• The results of this study might have been influenced by the early introduction of
ATMs in Sudanese banking sector, before the other two technologies study.
• This is in addition to the relatively higher level of sophistication needed to
operate and use the other two services, especially the internet.
The University of Khartoum: Humanities and Educational Studies Conference- 2013