Investigate effect of affordance-based beliefs and innovation diffusion theory on internet banking adoption-based beliefs

Document Type : Research Paper

Authors

1 -

2 Faculty member/ Ferdowsi University of Mashhad

3 Faculty member/Ferdowsi University of Mashhad

Abstract

Adoption and employment of internet banking is one of the most important issues which causes change in mentary relationships and commercial, economical and banking activites. This issue is important because if internet banking services are not being used by customers, doing new investments in ICT field, causes lose of bank funds and resources. Adoption internet banking services by customers will guarantee effectiveness and usefulness of investment in this field. This study aims to investigate influence of affordance based beliefs and innovation diffusion theory on internet banking adoption based beliefs among Saderat Bank customers in Mashhad. Research method was functional survey and Data were gathered by the whole 5-item Likert questionnaire which was including 36 questions. The statistical population this research forms saderat bank customers in Mashhad city. Data statistical analysis was done by using structural equations model (SEM). Results show that diversity and intuition have a positive effect on perceived ease of use and perceived usefulness significantly. Also, influence of compatibility and competitive advantage on user attitude about using internet banking services was confirmed.

Keywords


-      اولریش، کارل؛ اپینگر، استیون. (2013). طراحی و توسعه محصول، (ترجمه علی‌اصغر توفیق، 1391). تهران: سازمان مدیریت صنعتی.
-      براداران، وحید. (1394). عوامل مؤثر بر پذیرش اینترنت بانک اشخاص حقوقی بر اساس توسعه مدل پذیرش فناوری (موردمطالعه: بانک اقتصاد نوین). مجله مدیریت توسعه فناوری، دوره 3، شماره 1، 122-99.
-      حیدریه، عبدالله؛ سید حسینی، محمد؛ شهابی، علی. (1392). شبیه‌سازی مدل پذیرش فناوری در بانکداری ایران با رویکرد پویایی‌شناسی سیستم (موردمطالعه: بانک رفاه). فصلنامه مدیریت توسعه فناوری، دوره 1، شماره 1، 98-67.
-      رندی، وحید؛ خون سیاوش، محسن؛ معصومی، بهروز. (1393). عوامل مؤثر بر رفتار خرید مشتریان اینترنتی در ایران با توجه به مدل پذیرش فناوری (TAM )، مجله مدیریت توسعه و تحول (ویژه‌نامه)، 118-109.
-      طالقانی، محمد؛ حقگوفرد، زینب. (1396). ارائه یک چارچوب برای پذیرش بانکداری موبایلی با استفاده از توسعه مدل پذیرش فناوری، مجله مدیریت توسعه و تحول، شماره 30، 56-49.
-      محمدیان، محمود؛ حسینی، جواد. (1392). تئوریهای مدیریت. تهران: مرکز نشر جهش.
-      هاشمیان، مژده؛ عیسایی، محمدتقی؛ میکائیلی، فتاح؛ طباطبائی، محسن. (1391). عوامل مؤثر بر پذیرش ابزارهای بانکداری الکترونیک از سوی مشتریان (پیمایشی درباره­ی بانک سامان). مدیریتفناوریاطلاعات، دوره 4، شماره 11، 155-174.
-        هومن، ح. (1384). مدل یابی معادلات ساختاری با کاربرد نرم‌افزار لیزرل. تهران: انتشارات سمت.
-       Breslin, G., Shannon, S., Ferguson, K., Devlin, S., Haughey, T., & Prentice, G. (2018). Predicting Athletes’ Mental Health Stigma Using the Theory of Reasoned Action Framework. Journal of Clinical Sport Psychology, 1-23.
-      Cheng, T. C. E., Lam, D. Y. C., Yeung, A. C. L. (2006), Adoption of internet banking:An empirical study in Hong Kong, Decision Support Systems, Vol. 42, Issue 3, 1558-1572.
-      Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User acceptance Of Internation Technology. MIS Quarterly, Vol.13, No.3,19-339.
-      Dineshwar, R., Steven, M., (2013), An investigation on mobile banking adoption and usage: A casestudy of Mauritius, InProceedings of 3rd Asia-Pacific Business Research Conference.
-      Eriksson, K., Kerem, K., & Nilsson, D. (2005). Customer acceptance of internet banking in Estonia. International journal of bank marketing23(2), 200-216.
-      Elie-Dit-Cosaque, C., Pallud, J., & Kalika, M. (2011). The influence of individual, contextual, and social factors on perceived behavioral control of information technology: A field theory approach. Journal of Management Information Systems,Vol.28, No.3, 201-234.
-      Gaver, W.W. (1991). Technology Affordances. CHI Conference on Human Factors in Computing Systems. New York: ACM Press, 79-84.
-      Gibson, J.J. (1977). The Theory of Affordances. in: Perceiving, Acting, and Knowing: Toward an Ecological Psychology, R. Shaw and J. Bransford (eds.), Lawrence Erlbaum, Hillsdale, 67-82.
-      Hernandez, J.M.C., & Mazzon, J.A. (2007). Adoption of internet banking: proposition and implementation of integrated methodology approach, Interrnational Journal of Bank Marketing, Vol.25, No.2,72-88.
-      Hong, W., Thong, J., Wong, W. M., & Tam, K. Y. (2002). Determinants Ofuser Acceptance Of Digital Libraries: An Emperical Examination Of Individualdifferences And Syatemcharacteristics. Journal Of Management Informationsystems, Vol.18, No.3, 97-124.
-      Hsu, C.L., Lu, H.P. & Hsu, H.H. (2007). Adoption of the mobile internet: an empirical study of multimedia message service (MMS). Omega, Vol.35, No.6, 715-726.
-      Khedmatgozar, H. R., & Shahnazi, A. (2018). The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran. Electronic Commerce Research, Vol.18, No.2, 389-412.
-      McKay, E.N. (1999). Developing User Interfaces for Microsoft Windows. Microsoft Press, Reading.
-      Moore, G.C. & Benbasat, I. (1991). Development of an instrument to measure the perceptions ofadopting an information technology innovation. Information Systems Research, Vol.2, No.3, 192-222.
-      Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2018). The moderating role of device type and age of users on the intention to use mobile shopping applications. Technology in Society53, 79-90.
-      Nielson, J. (1994). Enhancing the explanatory power of usability heuristics. CHI ’94 Proceedings of the SIGCHI Conference on Human Factors in Computing Systems: Celebrating Interdependence in Boston, Massachusetts, USA, 1994, 152-158.
-      Norman, D.A. (1999). Affordances, conventions, and design. Interactions: May/June, 38-42.
-      Okumus, B., Ali, F., Bilgihan, A., & Ozturk, A. B. (2018). Psychological factors influencing customers’ acceptance of smartphone diet apps when ordering food at restaurants. International Journal of Hospitality Management72, 67-77.
-      Park, Y., & Chen., J.V. (2007). Acceptance and adoption of the innovative use of smartphone. Industrial Management & Data Systems, Vol. 107 No. 9, 1349-1365.
-      Pikkarainen, T., Pikkarainen., K., Karjaluoto., H., & Pahnila., S. (2004). Consumer acceptance of obline banking: an extension of the technology acceptance model. Internet Research, Vol.14, No.3, 224-235.
-      Polatoglu, V., & Ekin, S. (2001). An empirical investigation of the Turkish consumers, acceptance of internet banking service. International Journal of Bank Marketing Information, Vol.19, No.4, 65-156.
-      Rahi, S., Ghani, M., Alnaser, F., & Ngah, A. (2018). Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context. Management Science Letters, Vol.8, No.3, 173-186.
-        Rahimnia, F., & Mazidi, A. R. K. (2015). Functions of control mechanisms in mitigating workplace loafing; evidence from an Islamic society. Computers in Human Behavior, 48, 671-681.
-      Rogers, E. (1983). Diffusion of Innovations. New York: Free Press.
-      Rogers, E. (2003). Diffusion of Innovations. Free Press, New York.
-      Santhanamery, T., & Ramayah, T. (2018). Trust in the System: The Mediating Effect of Perceived Usefulness of the E-Filing System. In User Centric E-Government (pp. 89-103). Springer, Cham.
-      Skoumpopoulou, D., Wong, A. K., Ng, P. M., & Lo, M. F. (2018). Factors that affect the acceptance of new technologies in the workplace: a cross case analysis between UK and Hong Kong. Oxford, UK.
-      Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce research and applications, 1(3-4), 247-263.
-      Tate, M., & Evermann, J. (2009). Perceptive users with attitudes – some heuristics on theorizing. Thirtieth International Conference on Information Systems (ICIS 2009) in Phoenix, Arizona, 1-14.
-      Tsai, J.P., Ho, C.F. (2013). Does design matter? Affordance perspective on smartphone usage, Industrial Management & Data Systems. Vol.113, No. 9, 1248-1269.
-      Velayudhan, D. P., & Thomas, S. (2018). Role of technological uncertainty, technical complexity, intuition and reflexivity in project planning–a study on software development projects. International Journal of Project Organisation and Management, Vol.10, No.1, 82-92.
-      Venkatesh, W., Davis, F.D. (2000). A Theorical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, Vol.46, No.2, 186-204.
-      Zhou, T. (2018). Examining users' switch from online banking to mobile banking. International Journal of Networking and Virtual Organisations, Vol.18, No.1, 51-66.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
.