A survey on the factors affecting the adoption of online banking as a result of the integration of technology acceptance model and the theory of planned behavior on perceived risk and perceived usefulness
Subject Areas : مدیریت
Mansoure Sadeqi
1
(
M.A., Young and Elite Researchers Club, Aliabadektol Branch, Islamic Azad University, Aliabadektol, Iran
)
Hormoz Mehrani
2
(
Assistant Professor, Department of Management, Ali Abadktol Branch, Islamic Azad University, Ali Abadktol, Iran
)
Keywords: Technology Acceptance Model (TAM), Perceived Risk, Online banking, Theory of planned behavior (TPB),
Abstract :
The objective of this study is to investigate the factors affecting technology acceptance model with a model on the theory of planned behavior in order to predict and explain behavioral intentions of customers towards the adoption of online banking. The present research is applied objectively, descriptive in terms of implementation and a survey and correlation study in terms of the type of research. The statistical population includes all customers of all Mellat Bank branches in Gorgan city in 2014 that had used online banking. A sample consisting of 384 people was selected using stratified random sampling method. The data collection tool is questionnaire. The validity of questionnaire was determined using content validity method and the reliability was verified by Cronbach's alpha method. According to the data analysis, the results indicate that all hypotheses related to the technology acceptance model and the theory of planned behavior were confirmed and all hypotheses of perceived risk theory weren't confirmed except (hypothesis 8, b) and (hypothesis 12, b).
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